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    <div style="text-align: left; margin-left: 11pt; line-height: 11.4pt; margin-top: 2.65pt; font-family: 'Times New Roman'; font-size: 10pt;">As filed with the Securities and Exchange Commission on April 15, 2022&#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160;&#160; Registration No. 333-</div>
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      <hr noshade="noshade" align="center" style="height: 2px; color: #000000; background-color: #000000; text-align: center; margin-left: auto; margin-right: auto; border: none;"></div>
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    <div style="text-align: center; margin-right: 94.1pt; margin-left: 94.1pt; line-height: 15.95pt; margin-top: 3.2pt; font-family: 'Times New Roman'; font-size: 14pt; font-weight: bold;">UNITED STATES</div>
    <div style="text-align: center; margin-right: 94.1pt; margin-left: 94.15pt; line-height: 15.95pt; margin-top: 0.1pt; font-family: 'Times New Roman'; font-size: 14pt; font-weight: bold;">SECURITIES AND EXCHANGE COMMISSION</div>
    <div style="text-align: center; margin-right: 94.1pt; margin-left: 94.05pt; line-height: 11.25pt; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">WASHINGTON, D.C. 20549</div>
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      FORM S-1 REGISTRATION STATEMENT</div>
    <div style="text-align: center; margin-right: 93.95pt; margin-left: 94.15pt; line-height: 12.5pt; font-family: 'Times New Roman'; font-size: 11pt;">UNDER THE SECURITIES ACT OF 1933</div>
    <div style="text-align: center; margin-right: 94.1pt; margin-left: 94.15pt; line-height: 15.35pt; font-family: 'Times New Roman'; font-size: 14pt; font-weight: bold;">Allianz Life Insurance Company of New York</div>
    <div style="text-align: center; margin-right: 91.85pt; margin-left: 94.15pt; line-height: 11.3pt; font-family: 'Times New Roman'; font-size: 10pt;">(Exact name of Registrant as specified in its charter)</div>
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            <div style="text-align: center; margin-left: 6.95pt; line-height: 11.4pt; font-family: 'Arial Narrow'; font-weight: bold;">New York</div>
            <div style="text-align: center; text-indent: 0.1pt; margin-left: 6.95pt; line-height: 9.1pt; font-family: 'Arial Narrow'; font-size: 8pt;">(State or other jurisdiction of incorporation or organization)</div>
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            <div style="text-align: center; margin-left: 4.1pt; line-height: 11.4pt; font-family: 'Arial Narrow'; font-weight: bold;">6311</div>
            <div style="text-align: center; text-indent: -0.2pt; margin-left: 8.6pt; line-height: 9.1pt; font-family: 'Arial Narrow'; font-size: 8pt;">(Primary Standard Industrial Classification Code Number)</div>
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            <div style="text-align: center; margin-left: 5.8pt; line-height: 11.4pt; font-family: 'Arial Narrow'; font-weight: bold;">13-3191369</div>
            <div style="text-align: center; margin-right: 5.05pt; margin-left: 5.8pt; line-height: 9.1pt; font-family: 'Arial Narrow'; font-size: 8pt;">(I.R.S. Employer</div>
            <div style="text-align: center; margin-right: 4.7pt; margin-left: 5.8pt; line-height: 9.1pt; font-family: 'Arial Narrow'; font-size: 8pt;">&#160;Identification No.)</div>
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    <div style="text-align: center; margin-right: 164.7pt; margin-left: 164.65pt; line-height: 11.85pt; margin-top: 3.65pt; font-family: 'Times New Roman'; font-size: 10pt;">1633 Broadway, 42<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">nd</sup> Floor,</div>
    <div style="text-align: center; margin-right: 164.9pt; margin-left: 164.9pt; line-height: 11.85pt; font-family: 'Times New Roman'; font-size: 10pt;">New York, New York 10019</div>
    <div style="text-align: center; margin-right: 164.9pt; margin-left: 164.9pt; line-height: 11.85pt; font-family: 'Times New Roman'; font-size: 10pt;">(212) 586-7733</div>
    <div style="text-align: left; text-indent: -187.6pt; margin-left: 198.6pt; line-height: 11.4pt; font-family: 'Times New Roman'; font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;




      (Address, including zip code, and telephone number, including area code, of Registrant&#8217;s principal executive offices)</div>
    <div style="text-align: center; margin-right: 198.2pt; margin-left: 198.15pt; line-height: 11.4pt; margin-top: 6.5pt; font-family: 'Times New Roman'; font-size: 10pt;">Erik T. Nelson, Esq.</div>
    <div style="text-align: center; margin-right: 64.8pt; margin-left: 72pt; line-height: 11.85pt; margin-top: 0.5pt; font-family: 'Times New Roman'; font-size: 10pt;">Allianz Life Insurance Company of North America</div>
    <div style="text-align: center; margin-right: 6.3pt; margin-left: 9pt; line-height: 11.85pt; margin-top: 0.5pt; font-family: 'Times New Roman'; font-size: 10pt;">5701 Golden Hills Drive Minneapolis, MN 55416</div>
    <div style="text-align: center; margin-right: 94.05pt; margin-left: 94.15pt; line-height: 11.4pt; font-family: 'Times New Roman'; font-size: 10pt;">(763) 765-7453</div>
    <div style="text-align: center; text-indent: 32pt; margin-left: 11pt; line-height: 11.4pt; margin-top: 0.5pt; font-family: 'Times New Roman'; font-size: 10pt;">(Name, address, including zip code, and telephone number, including area code, of agent for
      service)</div>
    <div style="text-align: center; text-indent: 32pt; margin-left: 11pt; line-height: 11.4pt; margin-top: 0.5pt; font-family: 'Times New Roman'; font-size: 10pt;"> <br>
    </div>
    <div style="text-align: left; margin-left: 11pt; line-height: 11.4pt; margin-top: 6.5pt; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">Approximate date of commencement of proposed sale to the public:</div>
    <div style="text-align: left; margin-left: 11pt; line-height: 11.4pt; margin-top: 0.5pt; font-family: 'Times New Roman'; font-size: 10pt;">As soon as practicable after this registration statement becomes effective.</div>
    <div style="text-align: left; margin-right: 17.3pt; margin-left: 11pt; line-height: 11.85pt; margin-top: 6.5pt; font-family: 'Times New Roman'; font-size: 10pt;">If any of the securities being registered on this Form are to be offered on a delayed or
      continuous basis pursuant to Rule 415 under the Securities Act of 1933, check the following box. [X]</div>
    <div style="text-align: left; margin-right: 17.3pt; margin-left: 11pt; line-height: 11.85pt; margin-top: 6pt; font-family: 'Times New Roman'; font-size: 10pt;">Indicate by check mark whether the registrant is a large accelerated filer, an accelerated
      filer, a non-accelerated filer, or a smaller reporting company. See the definitions of &#8220;large accelerated filer,&#8221; &#8220;accelerated filer&#8221; and &#8220;smaller reporting company&#8221; in Rule 12b-2 of the Exchange Act.</div>
    <div style="text-align: left; margin-left: 11pt; line-height: 11.4pt; margin-top: 6pt;"><font style="font-family: 'Times New Roman'; font-size: 10pt;">Large accelerated filer</font><font id="TRGRRTFtoHTMLTab" style="text-indent: 0px; font-size: 5.02pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font><font style="font-family: 'Times New Roman'; font-size: 10pt;">[ &#160; ]<font id="TRGRRTFtoHTMLTab" style="text-indent: 0px; font-size: 5.03pt;">&#160;&#160;&#160;&#160;&#160;&#160; </font>Accelerated
        filer<font id="TRGRRTFtoHTMLTab" style="text-indent: 0px; font-size: 5.26pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; &#160;&#160; </font>[&#160; &#160; ]</font></div>
    <div style="text-align: left; margin-right: 131.7pt; margin-left: 11pt; line-height: 11.9pt; margin-top: 0.5pt;"><font style="font-family: 'Times New Roman'; font-size: 10pt;">Non-accelerated filer</font><font id="TRGRRTFtoHTMLTab" style="text-indent: 0px; font-size: 5.02pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;</font><font style="font-family: 'Times New Roman'; font-size: 10pt;">[X]<font id="TRGRRTFtoHTMLTab" style="text-indent: 0px; font-size: 5pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;</font>Smaller reporting company [ &#160;&#160; ] </font></div>
    <div style="text-align: left; margin-right: 131.7pt; margin-left: 11pt; line-height: 11.9pt; margin-top: 0.5pt;"><font style="font-family: 'Times New Roman'; font-size: 10pt;">(Do not check if a smaller reporting company)</font></div>
    <div style="line-height: 11.4pt; margin-top: 0.2pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: left; margin-right: 51.75pt; margin-left: 7pt; line-height: 11.85pt; margin-top: 2.65pt; font-family: 'Times New Roman'; font-size: 10pt;">The Registrant hereby amends this registration statement on such date or dates as may be
      necessary to delay its effective date until the Registrant shall file a further amendment which specifically states that this registration statement shall thereafter become effective in accordance with Section 8(a) of the Securities Act of 1933 or
      until the registration statement shall become effective on such date as the Securities and Exchange Commission, acting pursuant to said Section 8(a), may determine.</div>
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    <div style="text-align: center; text-indent: 0.1pt; line-height: 17.8pt; margin-top: 2.8pt; font-family: Arial; font-size: 12pt;">PART I PROSPECTUS</div>
    <div style="text-align: center; text-indent: 0.1pt; line-height: 17.8pt; margin-top: 2.8pt; font-family: Arial; font-size: 12pt;"> <br>
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          <div style="color:#000000;font-family:Arial;font-size:11pt;font-style:Normal;font-weight:bold;line-height:13pt;margin-bottom:2pt;margin-top:2pt;text-align:center;text-decoration:none;text-transform:uppercase;"> ALLIANZ Index Advantage <sup style="font-style: Normal; text-transform: uppercase; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#174; </sup> New York VARIABLE ANNUITY CONTRACT </div>
          <div style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:4pt;text-align:center;text-decoration:none;text-transform:none;">An individual flexible purchase payment
            index-linked and variable deferred annuity contract <font style="font-weight:bold;">(the Contract)</font></div>
          <div style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;text-align:center;text-decoration:none;text-transform:none;">Issued by Allianz Life<sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;">&#174;</sup> of NY Variable Account C <font style="font-weight:bold;">(the Separate Account)</font> and</div>
          <div style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;text-align:center;text-decoration:none;text-transform:none;">Allianz Life Insurance Company of New York <font style="font-weight:bold;">(Allianz Life of New York, we, us, our)</font></div>
          <div style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:13pt;margin-bottom:2pt;margin-top:2pt;text-align:center;text-decoration:none;text-transform:none;"> Prospectus Dated: April 29,
              2022 </div>
          <div style="text-align:center;">
            <table cellspacing="0" cellpadding="0" id="z1b8a00524bf14723809382b1c5cf014b" style="border-bottom:0.5pt solid #000000;border-collapse:collapse;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;margin-left:auto;margin-right:auto;margin-top:6pt;width:80.36%;">

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                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;padding-bottom:1.75pt;padding-left:4pt; padding-right:4pt;padding-top:4pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:43.32%;"> Standard Annuity Features
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;padding-bottom:1.75pt;padding-left:4pt;padding-right:4pt; padding-top:4pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:56.68%;"> Available Investment Options
                    </td>
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                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-bottom:4pt;padding-left:11pt; padding-right:4pt;padding-top:1.75pt;text-align:left;text-decoration:none;text-indent:-7pt;text-transform:none;vertical-align:top;width:43.32%;"> &#8226;&#8194;Five fixed annuitization options <br>
                    <font style="font-weight:bold;"> (Annuity Options) </font> &#8226;&#8194;Free withdrawal privilege allows you to withdraw up to 10% of your total Purchase Payments during the six-year withdrawal charge period &#8226;&#8194;Systematic withdrawal
                      program &#8226;&#8194;Minimum distribution program for certain tax qualified Contracts &#8226;&#8194;Waiver of withdrawal charge benefit &#8226;&#8194;Guaranteed death benefit <br>
                    <font style="font-weight:bold;"> (Traditional Death Benefit) </font>
                  </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-bottom:4pt;padding-left:11pt;padding-right:4pt; padding-top:1.75pt;text-align:left;text-decoration:none;text-indent:-7pt;text-transform:none;vertical-align:top;width:56.68%;"> &#8226;&#8194;8 index-linked investment options <font style="font-weight:bold;"> (Index Options) </font> based
                      on different combinations of two credit calculation methods <font style="font-weight:bold;"> (Crediting Methods) </font> and four nationally recognized third-party broad based equity securities indexes <font style="font-weight:bold;"> (Index or Indexes) </font> &#8226;&#8194;Three variable investment options <br>
                    <font style="font-weight:bold;"> (Variable Options) </font>
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          <div style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:1.42%;text-align:left;text-decoration:none;text-transform:none;">&#160;&#160;&#160;&#160;</div>
          <div style="text-align:center;">
            <table cellspacing="0" cellpadding="0" id="z41470682ab2e4d0eacc12a96a37831db" style="border-bottom:0.5pt solid #000000;border-collapse:collapse;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;margin-left:auto;margin-right:auto;margin-top:6pt;width:80.36%;">

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                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;padding-bottom:1.75pt;padding-left:4pt; padding-right:4pt;padding-top:4pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:43.32%;">Crediting Methods Currently Available
                  </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;padding-bottom:1.75pt;padding-left:4pt;padding-right:4pt; padding-top:4pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:56.68%;">Indexes Currently Available with All Crediting Methods
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                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;padding-left:4pt;padding-right:4pt; padding-top:1.75pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:43.32%;">&#8226;&#8194;Index Protection NY Strategy<br>
                    &#8226;&#8194;Index Performance Strategy
                  </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:4pt;padding-right:4pt;padding-top:1.75pt;text-align:left; text-decoration:none;text-transform:none;vertical-align:top;width:56.68%;">&#8226;&#8194;S&amp;P 500<sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;">&#174;</sup> Index<br>
                    &#8226;&#8194;Russell 2000<sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;">&#174;</sup> Index<br>
                    &#8226;&#8194;Nasdaq-100<sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;">&#174;</sup> Index<br>
                    &#8226;&#8194;EURO STOXX 50<sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;">&#174;</sup>
                  </td>
                </tr>
                <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                  <td colspan="2" style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;line-height:12pt;padding-bottom:4pt;padding-left:4pt;padding-right:4pt; padding-top:1.75pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;width:100%;">Crediting Methods and Indexes may not be available to previously issued Contracts as detailed in Appendix F.
                  </td>
                </tr>

            </table>
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          <div style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;text-align:center;text-decoration:none;text-transform:none;">&#160;&#160;&#160;&#160;</div>
          <div style="text-align:center;">
            <table cellspacing="0" cellpadding="0" id="zf7ca4645132f46908f5089353e6304bc" style="border-bottom:0.5pt solid #000000;border-collapse:collapse;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;margin-left:auto;margin-right:auto;margin-top:6pt;width:98.99%;">

                <tr style="page-break-inside:avoid;">
                  <td colspan="3" style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;padding-bottom:1.75pt;padding-left:4pt;padding-right:4pt; padding-top:4pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:100%;"> Crediting Method Highlights <br>
                    <font style="font-size:8pt;font-weight:Normal;line-height:10pt;"> All Crediting Methods provide a level of protection against negative Performance Credits from negative Index performance, and a limit on positive Performance Credits
                        from positive Index performance. </font><font style="font-size:8pt;line-height:10pt;"> Performance Credits </font><font style="font-size:8pt;font-weight:Normal;line-height:10pt;"> are the annual return you receive on
                        the Index Anniversary when you allocate assets to an Index Option. </font>
                  </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;line-height:10pt;padding-bottom:1.75pt;padding-right:4pt;padding-top:1.75pt;text-align:center;vertical-align:bottom;width:18.00%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;padding-bottom:1.75pt;padding-left:4pt; padding-right:4pt;padding-top:1.75pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:41.00%;"> Negative Index Performance Protection
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;padding-bottom:1.75pt;padding-left:4pt;padding-right:4pt; padding-top:1.75pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:41.00%;"> Positive Index Performance Participation Limit
                    </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;padding-left:4pt;padding-right:4pt; padding-top:1.75pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:18.00%;"> Index Protection NY Strategy
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:11pt;padding-right:4pt; padding-top:1.75pt;text-align:left;text-decoration:none;text-indent:-7pt;text-transform:none;vertical-align:top;width:41.00%;"> &#8226;&#8194; <font style="font-weight:bold;"> Buffers </font> (the amount of negative Index performance
                      we absorb before you receive a negative Performance Credit) <br>

                      &#8211;&#8194; Buffers are 30%
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:11pt;padding-right:4pt;padding-top:1.75pt; text-align:left;text-decoration:none;text-indent:-7pt;text-transform:none;vertical-align:top;width:41.00%;"> &#8226;&#8194; <font style="font-weight:bold;"> Caps </font> (the <font style="font-weight:bold;"> upper limit </font>
                      on positive Index performance) <br>

                      &#8211;&#8194; Caps cannot be less than 1.50%
                    </td>
                </tr>
                <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;padding-bottom:4pt;padding-left:4pt; padding-right:4pt;padding-top:1.75pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:18.00%;"> Index Performance Strategy
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-bottom:4pt;padding-left:4pt; padding-right:4pt;padding-top:1.75pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:41.00%;"> &#8226;&#8194; <font style="font-weight:bold;"> Buffers <br>
                    </font> &#8211;&#8194; Buffers are 10%
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-bottom:4pt;padding-left:4pt;padding-right:4pt; padding-top:1.75pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:41.00%;"> &#8226;&#8194;Caps <br>

                      &#8211;&#8194; Caps cannot be less than 1.50%
                    </td>
                </tr>

            </table>
          </div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;line-height:12pt;margin-top:9pt;text-align:left;text-decoration:none;text-transform:none;">The Contract&#8217;s risks are described in Risk Factors
            on page 22 of this prospectus.</div>
          <div style="text-align:center;">
            <table cellspacing="0" cellpadding="0" id="zad6a10f28dc54a7ca11b2da3c53ce159" style="border-bottom:0.5pt solid #000000;border-collapse:collapse;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;margin-left:auto;margin-right:auto;margin-top:6pt;width:86.00%;">

                <tr style="page-break-inside:avoid;">
                  <td colspan="3" style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:9pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-bottom:4pt;padding-left:4pt;padding-right:4pt;padding-top:4pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:100%;">Variable Options Currently Available
                  </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Arial Narrow;font-size:9pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:4pt;padding-left:4pt;padding-right:6pt;padding-top:2.12pt;text-align:left; text-decoration:none;text-transform:none;vertical-align:top;width:31.99%;">AZL<sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;">&#174;</sup> MVP Growth Index Strategy Fund
                  </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:9pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:4pt;padding-left:6pt;padding-right:6pt;padding-top:2.12pt;text-align:center; text-decoration:none;text-transform:none;vertical-align:top;width:35.05%;">AZL<sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;">&#174;</sup> MVP Balanced Index Strategy Fund
                  </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:9pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:4pt;padding-left:6pt;padding-right:4pt;padding-top:2.12pt;text-align:left; text-decoration:none;text-transform:none;vertical-align:top;width:32.96%;">AZL<sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;">&#174;</sup> Government Money Market Fund
                  </td>
                </tr>

            </table>
          </div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-bottom:2pt;margin-top:2pt;text-align:left;text-decoration:none;text-transform:none;"> You can allocate the money
              you put into the Contract <font style="font-weight:bold;"> (Purchase Payments) </font> to any or all of the available Index Options and Variable Options <font style="font-weight:bold;"> (Allocation Options) </font> .
              You may also reallocate and transfer Contract Value among the Allocation Options subject to certain restrictions described in this prospectus. Your <font style="font-weight:bold;"> Contract Value </font> is the current value of
              the Purchase Payments you invest that includes the returns of your selected Allocation Options. It reflects deductions we make for Contract fees and expenses. All withdrawals you take and financial adviser fees that you choose to have us pay
              from this Contract reduce your Contract Value dollar for dollar, including partial withdrawals that may be subject to a withdrawal charge. </div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:9pt;text-align:left;text-decoration:none;text-transform:none;">If you allocate Purchase Payments or transfer
            Contract Value to the Index Options, you receive Performance Credits calculated by us based on the performance of one or more Indexes over a year-long period <font style="font-weight:bold;">(Index Year)</font> as measured by</div>
        </div>
        <div type="Block" style="margin-top:2pt;width:100%;">
          <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:0.5pt solid #000000;height:0.5pt;width:100%;">
          <div style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:13pt;margin-bottom:2pt;margin-top:2pt;text-align:center;text-decoration:none;text-transform:none;"> Allianz Index Advantage <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#174; </sup> New York Variable Annuity Prospectus &#8211; April 29, 2022 </div>
        </div>
        <div type="Block" style="margin-top:4pt;width:100%;">
          <div style="color:#000000;font-family:Arial;font-size:9pt;font-style:Normal;font-weight:bold;line-height:12pt;text-align:center;text-decoration:none;text-transform:none;">&#160;1&#160;</div>
        </div>
      </div>
      <div style="clear:both;font-size:12pt;height:0pt;">
      </div>
      <hr style="margin-bottom:0pt;">
      <p style="margin:0pt;page-break-before:always;">&#160;
      </p>
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        <div type="Block" style="width:100%;">
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;text-align:left;text-decoration:none;text-transform:none;">the Index Return and the applicable Buffer or Cap. An Index Year
            is a twelve-month period beginning on the <font style="font-weight:bold;">Index Effective Date</font> or a subsequent Index Anniversary. The <font style="font-weight:bold;">Index Return</font> is the percentage change in Index Value from the
            Index Effective Date or an Index Anniversary to the next Index Anniversary. The <font style="font-weight:bold;">Index Value</font> is the Index&#8217;s price at the end of the Business Day on the Index Effective Date and each Index Anniversary. The
            <font style="font-weight:bold;">Index Effective Date</font> is the first day we allocate assets to an Index Option. An <font style="font-weight:bold;">Index Anniversary</font> is a twelve-month anniversary of the Index Effective Date and is
            the date we apply Performance Credits. <font style="font-weight:bold;">Because we calculate Index Returns only on a single date in time, you may experience negative or flat performance even though the Index you selected for a given Crediting
              Method experienced gains through some, or most, of the Index Year.</font></div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-bottom:2pt;margin-top:2pt;text-align:left;text-decoration:none;text-transform:none; "> Performance Credits may be positive, negative, or equal to zero, depending on the applicable Crediting Method and the performance of the applicable Index. <font style="font-weight:bold;"> A negative Performance Credit means that you
                can lose principal and previous earnings. </font><font style="font-style:italic;font-weight:bold;"> These losses could be significant. </font><font style="font-weight:bold;"> The risk of loss can become greater in the case of an early withdrawal (a withdrawal taken within six years after we receive a Purchase Payment) due to withdrawal charges. </font> Withdrawals will be subject
              to federal and state taxation, and withdrawals taken before age 59 <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#160;1 </sup> &#8260; <font style="font-size:6pt;line-height:8pt;"> 2 </font> may also be subject
              to a 10% additional federal tax. If this is a Non-Qualified Contract, a withdrawal will be taxable to the extent that gain exists within the Contract. A <font style="font-weight:bold;"> Non-Qualified Contract </font> is a
              Contract that is not purchased under a pension or retirement plan that qualifies for special tax treatment under sections of the Internal Revenue Code <font style="font-weight:bold;"> (the Code) </font> . </div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:9pt;text-align:left;text-decoration:none;text-transform:none;"> Caps that we use to determine Performance
              Credits for a Contract can change on each Index Anniversary <font style="font-style:italic;font-weight:bold;"> and may vary substantially based on market conditions. However, in extreme market environments, it is possible that all Caps
                will be equal and reduced to the minimum of 1.50%. </font> 10% or 30% Buffers that we use to determine Performance Credits for a Contract do not change. The Crediting Methods are described in greater detail in the Summary of the Index
              Options, and in section 4, Valuing Your Contract &#8211; Calculating Performance Credits. The Indexes are described in Appendix A. For historical information on the Caps, see Appendix C. For historical Index Option performance information, see
              Appendix D. </div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:9pt;text-align:left;text-decoration:none;text-transform:none;"> The <font style="font-weight:bold;"> Daily
                Adjustment </font> is how we calculate Index Option Values (the portion of your Contract Value in the Index Options) on days other than an Index Anniversary. The Daily Adjustment approximates the Index Option Value that will be
              available on an Index Anniversary. If before an Index Anniversary you take a full or partial withdrawal (including financial adviser fees that you choose to have us pay from this Contract), annuitize the Contract, we pay a death benefit, or
              we deduct Contract fees and expenses, we calculate the Index Option Value by applying the Daily Adjustment. All withdrawals you take are subject to the Daily Adjustment, even withdrawals that are not subject to a withdrawal charge ( <font style="font-weight:bold;"> Penalty-Free Withdrawals </font> ). Penalty-Free Withdrawals include withdrawals you take under the free withdrawal privilege or waiver of withdrawal charge benefit, and payments you take under our minimum
              distribution program. <font style="font-weight:bold;"> In extreme circumstances the Daily Adjustment could result in a loss beyond the protection of the 10% or 30% Buffer, but it cannot result in a total loss of -100%. Such losses will
                be greater if the amount withdrawn (including financial adviser fees that you choose to have us pay from this Contract) is also subject to a withdrawal charge, or is a deduction of Contract fees and expenses. </font></div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:9pt;text-align:left;text-decoration:none;text-transform:none;">If you allocate Purchase Payments or transfer
            Contract Value to the Variable Options, the value of your investment <font style="font-weight:bold;">(Variable Account Value)</font> increases and decreases each Business Day based on your selected Variable Options&#8217; performance. A <font style="font-weight:bold;">Business Day</font> is each day the New York Stock Exchange is open for trading and it ends when regular trading on the New York Stock Exchange closes, which is usually at 4:00 p.m. Eastern Time. The Separate Account
            holds the assets you allocate to the Variable Options.<font style="font-style:italic;font-weight:bold;"> The Variable Options do not provide any protection against loss of principal. You can lose principal and previous earnings that you
              allocate to the Variable Options.</font></div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;margin-bottom:2pt;margin-top:2pt;text-align:left;text-decoration:none;text-transform:none; "> Index-linked and variable annuity contracts are complex insurance and investment vehicles. <font style="font-weight:Normal;"> Before you invest, be sure to ask your </font> Financial Professional <font style="font-weight:Normal;"> (the person who advises you regarding the Contract) about the Contract&#8217;s features, benefits, risks, fees and expenses, whether the Contract is appropriate for you based upon your financial situation and
                objectives, and for a specific recommendation to purchase the Contract. The Contract may be available through third-party financial advisers who charge a financial adviser fee for their services. If you choose to pay financial adviser fees
                from this Contract, the deduction of this financial adviser fee is in addition to this Contract&#8217;s fees and expenses, and the deduction is treated the same as any other withdrawal under the Contract. As such, withdrawals to pay financial
                adviser fees may be subject to withdrawal charges, will reduce the Contract Value and Guaranteed Death Benefit Value (perhaps significantly), and may be subject to income taxes (including tax
                penalties if you are younger than age 59 <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#160;1 </sup> &#8260; </font><font style="font-size:6pt;font-weight:Normal;line-height:8pt;"> 2 </font><font style="font-weight:Normal;"> ). </font><font style="font-style:italic;"> Please consult with your Financial Professional before requesting us to pay financial adviser fees from this Contract compared to other assets you may have. </font></div>
        </div>
        <div type="Block" style="width:100%;">
          <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:0.5pt solid #000000;height:0.5pt;width:100%;">
          <div style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:13pt;margin-bottom:2pt;margin-top:2pt;text-align:center;text-decoration:none;text-transform:none;"> Allianz Index Advantage <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#174; </sup> New York Variable Annuity Prospectus &#8211; April 29, 2022 </div>
        </div>
        <div type="Block" style="margin-top:4pt;width:100%;">
          <div style="color:#000000;font-family:Arial;font-size:9pt;font-style:Normal;font-weight:bold;line-height:12pt;text-align:center;text-decoration:none;text-transform:none;">&#160;2&#160;</div>
        </div>
      </div>
      <div style="clear:both;font-size:12pt;height:0pt;">
      </div>
      <hr style="margin-bottom:0pt;">
      <p style="margin:0pt;page-break-before:always;">&#160;
      </p>
      <div style="width:100%;">
        <div type="Block" style="width:100%;">
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;line-height:12pt;margin-bottom:2pt;margin-top:2pt;text-align:left;text-decoration:none;text-transform:none;"> All guarantees under the
              Contract, including Performance Credits, are the obligations of Allianz Life of New York and are subject to our claims-paying ability and financial strength. </div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:9pt;text-align:left;text-decoration:none;text-transform:none;"> Please read this prospectus before investing
              and keep it for future reference. The prospectus describes all material rights and obligations of purchasers under the Contract. It contains important information about the Contract and Allianz Life of New York that you ought to know before
              investing including material state variations. Availability of Index Options may vary by financial intermediary. You can obtain information on which Index Options are available to you by calling (800) 624-0197, or from your Financial
              Professional. This prospectus is not offered in any state, country, or jurisdiction in which we are not authorized to sell the Contracts. You should rely only on the information contained in this prospectus. We have not authorized anyone to
              give you different information. </div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:9pt;text-align:left;text-decoration:none;text-transform:none;"> If you are a new investor in the Contract, you
              may cancel your Contract within 10 days of receiving it without paying fees or penalties. Upon cancellation, you will receive your total Contract Value.&#160; You should review this prospectus, or consult with your Financial Professional, for
              additional information about the specific cancellation terms that apply. </div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;line-height:12pt;margin-top:9pt;text-align:left;text-decoration:none;text-transform:none;">The Securities and Exchange Commission (SEC) has
            not approved or disapproved these securities or determined if this prospectus is truthful or complete. Any representation to the contrary is a criminal offense. An investment in this Contract is not a deposit of a bank or financial institution
            and is not federally insured or guaranteed by the Federal Deposit Insurance Corporation or any other federal government agency. An investment in this Contract involves investment risk including the possible loss of principal.</div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-bottom:2pt;margin-top:2pt;text-align:left;text-decoration:none;text-transform:none; "> Additional information about certain investment products, including variable annuities, has been prepared by the Securities &amp; Exchange Commission&#8217;s (SEC) staff and is available at <font style="color:#0000FF;text-decoration:underline;"> investor.gov </font> . </div>
        </div>
        <div type="Block" style="margin-top:413pt;width:100%;">
          <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:0.5pt solid #000000;height:0.5pt;width:100%;">
          <div style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:13pt;margin-bottom:2pt;margin-top:2pt;text-align:center;text-decoration:none;text-transform:none;"> Allianz Index Advantage <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#174; </sup> New York Variable Annuity Prospectus &#8211; April 29, 2022 </div>
        </div>
        <div type="Block" style="margin-top:4pt;width:100%;">
          <div style="color:#000000;font-family:Arial;font-size:9pt;font-style:Normal;font-weight:bold;line-height:12pt;text-align:center;text-decoration:none;text-transform:none;">&#160;3&#160;</div>
        </div>
      </div>
      <div style="clear:both;font-size:12pt;height:0pt;">
      </div>
      <hr style="margin-bottom:0pt;">
      <p style="margin:0pt;page-break-before:always;">&#160;
      </p>
      <div style="width:100%;">
        <a name="JOB_Index_3271f810-de27-47d4-9b4d-756928a3a1d0_va-toc"></a>
        <div type="Block" style="width:100%;">
          <div style="color:#000000;font-family:Arial;font-size:11pt;font-style:Normal;font-weight:Normal;line-height:14pt;text-align:left;text-decoration:none;text-transform:none;">TABLE OF CONTENTS<br>
          </div>
        </div>
        <div style="margin-top:3pt;">
          <div type="Block" style="float:left;overflow:hidden;position:relative;width:47.73%;">
            <div style="text-align:center;">
              <table cellspacing="0" cellpadding="0" id="za718735dd3fd4604bbfb4defc6842db8" style="border-collapse:collapse;empty-cells:show;margin-left:auto;margin-right:auto;margin-top:0pt;width:100.00%;">

                  <tr style="page-break-inside:avoid;">
                    <td colspan="2" style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:94.15%;">
                      <div style="float:left;"><a href="#xx_03ca0746-f6ac-49f4-8a46-6bbab4470beb_1"> Glossary </a></div>
                      <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;">
                    </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:5.85%;"> 6
                      </td>
                  </tr>
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                      <div style="float:left;"><a href="#xx_8ae04822-ac73-4a48-93fe-8df18cd1e587_1"> Important Information You Should Consider About the Contract </a></div>
                      <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;">
                    </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:5.85%;"> 10
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                      <div style="float:left;"><a href="#xx_cc910129-c104-489c-830a-43daa3980ea5_1"> Overview of the Contract </a></div>
                      <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;">
                    </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:5.85%;"> 13
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                    <td style="line-height:10pt;padding-bottom:1.5pt;padding-top:1.5pt;text-align:left;vertical-align:top;width:8.97%;"> &#160;
                      </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:85.18%;">
                      <div style="float:left;"><a href="#xx_cc910129-c104-489c-830a-43daa3980ea5_1"> What Is the Purpose of the Contract? </a></div>
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                    </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:5.85%;"> 13
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                    <td style="line-height:0pt;padding-bottom:1.5pt;padding-top:1.5pt;text-align:left;vertical-align:top;width:8.97%;"> &#160;
                      </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:85.18%;">
                      <div style="float:left;"><a href="#xx_cc910129-c104-489c-830a-43daa3980ea5_1"> What Are the Phases of the Contract? </a></div>
                      <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;">
                    </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:5.85%;"> 13
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                    <td style="line-height:0pt;padding-bottom:1.5pt;padding-top:1.5pt;text-align:left;vertical-align:top;width:8.97%;"> &#160;
                      </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:85.18%;">
                      <div style="float:left;"><a href="#xx_cc910129-c104-489c-830a-43daa3980ea5_2"> What Are the Contract&#8217;s Primary Features? </a></div>
                      <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;">
                    </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:5.85%;"> 14
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                      <div style="float:left;"><a href="#xx_f7d8855a-293d-4d8e-a067-19a772794dc6_1"> Summary of the Index Options </a></div>
                      <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;">
                    </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:5.85%;"> 15
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                    <td style="line-height:10pt;padding-bottom:1.5pt;padding-top:1.5pt;text-align:left;vertical-align:top;width:8.97%;"> &#160;
                      </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:85.18%;">
                      <div style="float:left;"><a href="#xx_f7d8855a-293d-4d8e-a067-19a772794dc6_1"> How Do the Crediting Methods Work? </a></div>
                      <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;">
                    </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:5.85%;"> 15
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                    <td style="line-height:0pt;padding-bottom:1.5pt;padding-top:1.5pt;text-align:left;vertical-align:top;width:8.97%;"> &#160;
                      </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:85.18%;">
                      <div style="float:left;"><a href="#xx_f7d8855a-293d-4d8e-a067-19a772794dc6_1"> How Do the Crediting Methods Compare? </a></div>
                      <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;">
                    </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:5.85%;"> 15
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                    <td style="line-height:0pt;padding-bottom:1.5pt;padding-top:1.5pt;text-align:left;vertical-align:top;width:8.97%;"> &#160;
                      </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:85.18%;">
                      <div style="float:left;"><a href="#xx_f7d8855a-293d-4d8e-a067-19a772794dc6_2"> Bar Chart Examples of the Crediting Methods Performance </a></div>
                      <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;">
                    </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:5.85%;"> 16
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                    <td style="line-height:0pt;padding-bottom:1.5pt;padding-top:1.5pt;text-align:left;vertical-align:top;width:8.97%;"> &#160;
                      </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:85.18%;">
                      <div style="float:left;"><a href="#xx_f7d8855a-293d-4d8e-a067-19a772794dc6_4"> Can the Crediting Methods or Indexes Change? </a></div>
                      <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;">
                    </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:5.85%;"> 18
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                    <td style="line-height:0pt;padding-bottom:1.5pt;padding-top:1.5pt;text-align:left;vertical-align:top;width:8.97%;"> &#160;
                      </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:85.18%;">
                      <div style="float:left;"><a href="#xx_f7d8855a-293d-4d8e-a067-19a772794dc6_4"> When Does Allianz Establish the Values Used to Determine Index Credits? </a></div>
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                    </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:5.85%;"> 18
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                    <td style="line-height:0pt;padding-bottom:1.5pt;padding-top:1.5pt;text-align:left;vertical-align:top;width:8.97%;"> &#160;
                      </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:85.18%;">
                      <div style="float:left;"><a href="#xx_f7d8855a-293d-4d8e-a067-19a772794dc6_5"> What Are the Different Values Within the Contract? </a></div>
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                    </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:5.85%;"> 19
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                    <td style="line-height:0pt;padding-bottom:1.5pt;padding-top:1.5pt;text-align:left;vertical-align:top;width:8.97%;"> &#160;
                      </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:85.18%;">
                      <div style="float:left;"><a href="#xx_f7d8855a-293d-4d8e-a067-19a772794dc6_5"> What Is the Daily Adjustment? </a></div>
                      <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;">
                    </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:5.85%;"> 19
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                    <td style="line-height:0pt;padding-bottom:1.5pt;padding-top:1.5pt;text-align:left;vertical-align:top;width:8.97%;"> &#160;
                      </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:85.18%;">
                      <div style="float:left;"><a href="#xx_f7d8855a-293d-4d8e-a067-19a772794dc6_6"> What Is the Performance Lock? </a></div>
                      <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;">
                    </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:5.85%;"> 20
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                      <div style="float:left;"><a href="#xx_f7d8855a-293d-4d8e-a067-19a772794dc6_6"> Fee Tables </a></div>
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                    </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:5.85%;"> 20
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                    <td style="line-height:10pt;padding-bottom:1.5pt;padding-top:1.5pt;text-align:left;vertical-align:top;width:8.97%;"> &#160;
                      </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:85.18%;">
                      <div style="float:left;"><a href="#xx_f7d8855a-293d-4d8e-a067-19a772794dc6_7"> Transaction Expenses </a></div>
                      <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;">
                    </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:5.85%;"> 21
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                    <td style="line-height:0pt;padding-bottom:1.5pt;padding-top:1.5pt;text-align:left;vertical-align:top;width:8.97%;"> &#160;
                      </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:85.18%;">
                      <div style="float:left;"><a href="#xx_f7d8855a-293d-4d8e-a067-19a772794dc6_7"> Annual Contract Expenses </a></div>
                      <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;">
                    </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:5.85%;"> 21
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                    <td style="line-height:0pt;padding-bottom:1.5pt;padding-top:1.5pt;text-align:left;vertical-align:top;width:8.97%;"> &#160;
                      </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:85.18%;">
                      <div style="float:left;"><a href="#xx_f7d8855a-293d-4d8e-a067-19a772794dc6_7"> Annual Variable Option Expenses </a></div>
                      <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;">
                    </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:5.85%;"> 21
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                    <td style="line-height:0pt;padding-bottom:1.5pt;padding-top:1.5pt;text-align:left;vertical-align:top;width:8.97%;"> &#160;
                      </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:85.18%;">
                      <div style="float:left;"><a href="#xx_f7d8855a-293d-4d8e-a067-19a772794dc6_8"> Example </a></div>
                      <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;">
                    </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:5.85%;"> 22
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                      <div style="float:left;"><a href="#xx_f7d8855a-293d-4d8e-a067-19a772794dc6_8"> Risk Factors </a></div>
                      <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;">
                    </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:5.85%;"> 22
                      </td>
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                    <td style="line-height:10pt;padding-bottom:1.5pt;padding-top:1.5pt;text-align:left;vertical-align:top;width:8.97%;"> &#160;
                      </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:85.18%;">
                      <div style="float:left;"><a href="#xx_f7d8855a-293d-4d8e-a067-19a772794dc6_8"> Liquidity Risks </a></div>
                      <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;">
                    </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:5.85%;"> 22
                      </td>
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                  <tr style="page-break-inside:avoid;">
                    <td style="line-height:0pt;padding-bottom:1.5pt;padding-top:1.5pt;text-align:left;vertical-align:top;width:8.97%;"> &#160;
                      </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:85.18%;">
                      <div style="float:left;"><a href="#xx_f7d8855a-293d-4d8e-a067-19a772794dc6_9"> Risks of Investing in Securities </a></div>
                      <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;">
                    </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:5.85%;"> 23
                      </td>
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                  <tr style="page-break-inside:avoid;">
                    <td style="line-height:0pt;padding-bottom:1.5pt;padding-top:1.5pt;text-align:left;vertical-align:top;width:8.97%;"> &#160;
                      </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:85.18%;">
                      <div style="float:left;"><a href="#xx_f7d8855a-293d-4d8e-a067-19a772794dc6_10"> Risk of Negative Returns </a></div>
                      <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;">
                    </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:5.85%;"> 24
                      </td>
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                  <tr style="page-break-inside:avoid;">
                    <td style="line-height:0pt;padding-bottom:1.5pt;padding-top:1.5pt;text-align:left;vertical-align:top;width:8.97%;"> &#160;
                      </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:85.18%;">
                      <div style="float:left;"><a href="#xx_f7d8855a-293d-4d8e-a067-19a772794dc6_11"> Risks Associated with Calculation of Performance Credits </a></div>
                      <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;">
                    </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:5.85%;"> 25
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                    <td style="line-height:0pt;padding-bottom:1.5pt;padding-top:1.5pt;text-align:left;vertical-align:top;width:8.97%;"> &#160;
                      </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:85.18%;">
                      <div style="float:left;"><a href="#xx_f7d8855a-293d-4d8e-a067-19a772794dc6_11"> Risks Associated with Performance Locks </a></div>
                      <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;">
                    </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:5.85%;"> 25
                      </td>
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                  <tr style="page-break-inside:avoid;">
                    <td style="line-height:0pt;padding-bottom:1.5pt;padding-top:1.5pt;text-align:left;vertical-align:top;width:8.97%;"> &#160;
                      </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:85.18%;">
                      <div style="float:left;"><a href="#xx_f7d8855a-293d-4d8e-a067-19a772794dc6_11"> Substitution of an Index </a></div>
                      <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;">
                    </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:5.85%;"> 25
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                  <tr style="page-break-inside:avoid;">
                    <td style="line-height:0pt;padding-bottom:1.5pt;padding-top:1.5pt;text-align:left;vertical-align:top;width:8.97%;"> &#160;
                      </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:85.18%;">
                      <div style="float:left;"><a href="#xx_f7d8855a-293d-4d8e-a067-19a772794dc6_12"> Changes to Caps </a></div>
                      <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;">
                    </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:5.85%;"> 26
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                  <tr style="page-break-inside:avoid;">
                    <td style="line-height:0pt;padding-bottom:1.5pt;padding-top:1.5pt;text-align:left;vertical-align:top;width:8.97%;"> &#160;
                      </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:85.18%;">
                      <div style="float:left;"><a href="#xx_f7d8855a-293d-4d8e-a067-19a772794dc6_13"> Investment in Derivative Hedging Instruments </a></div>
                      <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;">
                    </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:5.85%;"> 27
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                    <td style="line-height:0pt;padding-bottom:1.5pt;padding-top:1.5pt;text-align:left;vertical-align:top;width:8.97%;"> &#160;
                      </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:85.18%;">
                      <div style="float:left;"><a href="#xx_f7d8855a-293d-4d8e-a067-19a772794dc6_13"> Risks of Deducting Financial Adviser Fees from the Contract </a></div>
                      <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;">
                    </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:5.85%;"> 27
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                    <td style="line-height:0pt;padding-bottom:1.5pt;padding-top:1.5pt;text-align:left;vertical-align:top;width:8.97%;"> &#160;
                      </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:85.18%;">
                      <div style="float:left;"><a href="#xx_f7d8855a-293d-4d8e-a067-19a772794dc6_14"> Our Financial Strength and Claims-Paying Ability </a></div>
                      <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;">
                    </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:5.85%;"> 28
                      </td>
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                  <tr style="page-break-inside:avoid;">
                    <td style="line-height:0pt;padding-bottom:1.5pt;padding-top:1.5pt;text-align:left;vertical-align:top;width:8.97%;"> &#160;
                      </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:85.18%;">
                      <div style="float:left;"><a href="#xx_f7d8855a-293d-4d8e-a067-19a772794dc6_14"> Regulatory Protections </a></div>
                      <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;">
                    </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;width:5.85%;"> 28
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                  <tr style="page-break-inside:avoid;">
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:8.97%;"><a href="#xx_f7d8855a-293d-4d8e-a067-19a772794dc6_14"> 1. </a>
                    </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:85.18%;">
                      <div style="float:left;"><a href="#xx_f7d8855a-293d-4d8e-a067-19a772794dc6_14"> The Contract </a></div>
                      <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;">
                    </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:5.85%;"> 28
                      </td>
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                  <tr style="page-break-inside:avoid;">
                    <td style="line-height:10pt;padding-bottom:1.5pt;padding-top:1.5pt;text-align:left;vertical-align:top;width:8.97%;"> &#160;
                      </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:85.18%;">
                      <div style="float:left;"><a href="#xx_f7d8855a-293d-4d8e-a067-19a772794dc6_15"> Financial Adviser Fees </a></div>
                      <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;">
                    </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:5.85%;"> 29
                      </td>
                  </tr>
                  <tr style="page-break-inside:avoid;">
                    <td style="line-height:0pt;padding-top:1.5pt;text-align:left;vertical-align:top;width:8.97%;"> &#160;
                      </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;width:85.18%;">
                      <div style="float:left;"><a href="#xx_f7d8855a-293d-4d8e-a067-19a772794dc6_16"> When the Contract Ends </a></div>
                      <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;">
                    </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none;text-transform:none; vertical-align:bottom;white-space:nowrap;width:5.85%;"> 30
                      </td>
                  </tr>

              </table>
            </div>
          </div>
          <div type="Block" style="float:right;overflow:hidden;position:relative;width:47.73%;">
            <div style="text-align:center;">
              <table cellspacing="0" cellpadding="0" id="z07e0c028c7d34bdfb8709714872cd3c2" style="border-collapse:collapse;empty-cells:show;margin-left:auto;margin-right:auto;margin-top:3pt;width:100.00%;">

                  <tr style="page-break-inside:avoid;">
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:8.97%;"><a href="#xx_f7d8855a-293d-4d8e-a067-19a772794dc6_17"> 2. </a>
                    </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-bottom:1.5pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;width:85.18%;">
                      <div style="float:left;"><a href="#xx_f7d8855a-293d-4d8e-a067-19a772794dc6_17"> Ownership, Annuitant, Determining Life, Beneficiary, and Payee </a></div>
                      <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;">
                    </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:5.85%;"> 31
                      </td>
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                  <tr style="page-break-inside:avoid;">
                    <td style="line-height:10pt;padding-bottom:1.5pt;padding-top:1.5pt;text-align:left;vertical-align:top;width:8.97%;"> &#160;
                      </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:85.18%;">
                      <div style="float:left;"><a href="#xx_f7d8855a-293d-4d8e-a067-19a772794dc6_17"> Owner </a></div>
                      <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;">
                    </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:5.85%;"> 31
                      </td>
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                    <td style="line-height:0pt;padding-bottom:1.5pt;padding-top:1.5pt;text-align:left;vertical-align:top;width:8.97%;"> &#160;
                      </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:85.18%;">
                      <div style="float:left;"><a href="#xx_f7d8855a-293d-4d8e-a067-19a772794dc6_17"> Joint Owner </a></div>
                      <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;">
                    </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:5.85%;"> 31
                      </td>
                  </tr>
                  <tr style="page-break-inside:avoid;">
                    <td style="line-height:0pt;padding-bottom:1.5pt;padding-top:1.5pt;text-align:left;vertical-align:top;width:8.97%;"> &#160;
                      </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:85.18%;">
                      <div style="float:left;"><a href="#xx_f7d8855a-293d-4d8e-a067-19a772794dc6_17"> Annuitant </a></div>
                      <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;">
                    </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:5.85%;"> 31
                      </td>
                  </tr>
                  <tr style="page-break-inside:avoid;">
                    <td style="line-height:0pt;padding-bottom:1.5pt;padding-top:1.5pt;text-align:left;vertical-align:top;width:8.97%;"> &#160;
                      </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:85.18%;">
                      <div style="float:left;"><a href="#xx_f7d8855a-293d-4d8e-a067-19a772794dc6_18"> Determining Life (Lives) </a></div>
                      <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;">
                    </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:5.85%;"> 32
                      </td>
                  </tr>
                  <tr style="page-break-inside:avoid;">
                    <td style="line-height:0pt;padding-bottom:1.5pt;padding-top:1.5pt;text-align:left;vertical-align:top;width:8.97%;"> &#160;
                      </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:85.18%;">
                      <div style="float:left;"><a href="#xx_f7d8855a-293d-4d8e-a067-19a772794dc6_18"> Beneficiary </a></div>
                      <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;">
                    </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:5.85%;"> 32
                      </td>
                  </tr>
                  <tr style="page-break-inside:avoid;">
                    <td style="line-height:0pt;padding-bottom:1.5pt;padding-top:1.5pt;text-align:left;vertical-align:top;width:8.97%;"> &#160;
                      </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:85.18%;">
                      <div style="float:left;"><a href="#xx_f7d8855a-293d-4d8e-a067-19a772794dc6_18"> Payee </a></div>
                      <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;">
                    </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:5.85%;"> 32
                      </td>
                  </tr>
                  <tr style="page-break-inside:avoid;">
                    <td style="line-height:0pt;padding-bottom:1.5pt;padding-top:1.5pt;text-align:left;vertical-align:top;width:8.97%;"> &#160;
                      </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:85.18%;">
                      <div style="float:left;"><a href="#xx_f7d8855a-293d-4d8e-a067-19a772794dc6_19"> Assignments, Changes of Ownership and Other Transfers of Contract Rights </a></div>
                      <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;">
                    </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:5.85%;"> 33
                      </td>
                  </tr>
                  <tr style="page-break-inside:avoid;">
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:8.97%;"><a href="#xx_f7d8855a-293d-4d8e-a067-19a772794dc6_19"> 3. </a>
                    </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:85.18%;">
                      <div style="float:left;"><a href="#xx_f7d8855a-293d-4d8e-a067-19a772794dc6_19"> Purchasing the Contract </a></div>
                      <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;">
                    </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:5.85%;"> 33
                      </td>
                  </tr>
                  <tr style="page-break-inside:avoid;">
                    <td style="line-height:10pt;padding-bottom:1.5pt;padding-top:1.5pt;text-align:left;vertical-align:top;width:8.97%;"> &#160;
                      </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:85.18%;">
                      <div style="float:left;"><a href="#xx_f7d8855a-293d-4d8e-a067-19a772794dc6_19"> Purchase Requirements </a></div>
                      <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;">
                    </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:5.85%;"> 33
                      </td>
                  </tr>
                  <tr style="page-break-inside:avoid;">
                    <td style="line-height:0pt;padding-bottom:1.5pt;padding-top:1.5pt;text-align:left;vertical-align:top;width:8.97%;"> &#160;
                      </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:85.18%;">
                      <div style="float:left;"><a href="#xx_f7d8855a-293d-4d8e-a067-19a772794dc6_19"> Applications Sent Electronically </a></div>
                      <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;">
                    </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:5.85%;"> 33
                      </td>
                  </tr>
                  <tr style="page-break-inside:avoid;">
                    <td style="line-height:0pt;padding-bottom:1.5pt;padding-top:1.5pt;text-align:left;vertical-align:top;width:8.97%;"> &#160;
                      </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:85.18%;">
                      <div style="float:left;"><a href="#xx_f7d8855a-293d-4d8e-a067-19a772794dc6_20"> Allocation of Purchase Payments and Contract Value Transfers </a></div>
                      <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;">
                    </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:5.85%;"> 34
                      </td>
                  </tr>
                  <tr style="page-break-inside:avoid;">
                    <td style="line-height:0pt;padding-bottom:1.5pt;padding-top:1.5pt;text-align:left;vertical-align:top;width:8.97%;"> &#160;
                      </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:85.18%;">
                      <div style="float:left;"><a href="#xx_f7d8855a-293d-4d8e-a067-19a772794dc6_21"> Automatic Investment Plan (AIP) </a></div>
                      <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;">
                    </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:5.85%;"> 35
                      </td>
                  </tr>
                  <tr style="page-break-inside:avoid;">
                    <td style="line-height:0pt;padding-bottom:1.5pt;padding-top:1.5pt;text-align:left;vertical-align:top;width:8.97%;"> &#160;
                      </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:85.18%;">
                      <div style="float:left;"><a href="#xx_f7d8855a-293d-4d8e-a067-19a772794dc6_21"> Free Look/Right to Examine Period </a></div>
                      <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;">
                    </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:5.85%;"> 35
                      </td>
                  </tr>
                  <tr style="page-break-inside:avoid;">
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:8.97%;"><a href="#xx_f7d8855a-293d-4d8e-a067-19a772794dc6_22"> 4. </a>
                    </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:85.18%;">
                      <div style="float:left;"><a href="#xx_f7d8855a-293d-4d8e-a067-19a772794dc6_22"> Valuing Your Contract </a></div>
                      <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;">
                    </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:5.85%;"> 36
                      </td>
                  </tr>
                  <tr style="page-break-inside:avoid;">
                    <td style="line-height:10pt;padding-bottom:1.5pt;padding-top:1.5pt;text-align:left;vertical-align:top;width:8.97%;"> &#160;
                      </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:85.18%;">
                      <div style="float:left;"><a href="#xx_f7d8855a-293d-4d8e-a067-19a772794dc6_22"> Determining Variable Account Value </a></div>
                      <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;">
                    </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:5.85%;"> 36
                      </td>
                  </tr>
                  <tr style="page-break-inside:avoid;">
                    <td style="line-height:0pt;padding-bottom:1.5pt;padding-top:1.5pt;text-align:left;vertical-align:top;width:8.97%;"> &#160;
                      </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:85.18%;">
                      <div style="float:left;"><a href="#xx_f7d8855a-293d-4d8e-a067-19a772794dc6_23"> Determining Index Option Values </a></div>
                      <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;">
                    </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:5.85%;"> 37
                      </td>
                  </tr>
                  <tr style="page-break-inside:avoid;">
                    <td style="line-height:0pt;padding-bottom:1.5pt;padding-top:1.5pt;text-align:left;vertical-align:top;width:8.97%;"> &#160;
                      </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:85.18%;">
                      <div style="float:left;"><a href="#xx_f7d8855a-293d-4d8e-a067-19a772794dc6_24"> Calculating Performance Credits </a></div>
                      <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;">
                    </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:5.85%;"> 38
                      </td>
                  </tr>
                  <tr style="page-break-inside:avoid;">
                    <td style="line-height:0pt;padding-bottom:1.5pt;padding-top:1.5pt;text-align:left;vertical-align:top;width:8.97%;"> &#160;
                      </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:85.18%;">
                      <div style="float:left;"><a href="#xx_f7d8855a-293d-4d8e-a067-19a772794dc6_25"> Daily Adjustment </a></div>
                      <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;">
                    </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:5.85%;"> 39
                      </td>
                  </tr>
                  <tr style="page-break-inside:avoid;">
                    <td style="line-height:0pt;padding-bottom:1.5pt;padding-top:1.5pt;text-align:left;vertical-align:top;width:8.97%;"> &#160;
                      </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:85.18%;">
                      <div style="float:left;"><a href="#xx_f7d8855a-293d-4d8e-a067-19a772794dc6_25"> Performance Locks </a></div>
                      <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;">
                    </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:5.85%;"> 39
                      </td>
                  </tr>
                  <tr style="page-break-inside:avoid;">
                    <td style="line-height:0pt;padding-bottom:1.5pt;padding-top:1.5pt;text-align:left;vertical-align:top;width:8.97%;"> &#160;
                      </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:85.18%;">
                      <div style="float:left;"><a href="#xx_f7d8855a-293d-4d8e-a067-19a772794dc6_26"> Optional Reallocation Program </a></div>
                      <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;">
                    </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:5.85%;"> 40
                      </td>
                  </tr>
                  <tr style="page-break-inside:avoid;">
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:8.97%;"><a href="#xx_f7d8855a-293d-4d8e-a067-19a772794dc6_26"> 5. </a>
                    </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:85.18%;">
                      <div style="float:left;"><a href="#xx_f7d8855a-293d-4d8e-a067-19a772794dc6_26"> Variable Options </a></div>
                      <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;">
                    </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:5.85%;"> 40
                      </td>
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                    <td style="line-height:10pt;padding-bottom:1.5pt;padding-top:1.5pt;text-align:left;vertical-align:top;width:8.97%;"> &#160;
                      </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:85.18%;">
                      <div style="float:left;"><a href="#xx_f7d8855a-293d-4d8e-a067-19a772794dc6_27"> Substitution of Variable Options and Limitation on Further Investments </a></div>
                      <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;">
                    </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:5.85%;"> 41
                      </td>
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                    <td style="line-height:0pt;padding-bottom:1.5pt;padding-top:1.5pt;text-align:left;vertical-align:top;width:8.97%;"> &#160;
                      </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:85.18%;">
                      <div style="float:left;"><a href="#xx_f7d8855a-293d-4d8e-a067-19a772794dc6_27"> Transfers Between Variable Options </a></div>
                      <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;">
                    </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:5.85%;"> 41
                      </td>
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                    <td style="line-height:0pt;padding-bottom:1.5pt;padding-top:1.5pt;text-align:left;vertical-align:top;width:8.97%;"> &#160;
                      </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:85.18%;">
                      <div style="float:left;"><a href="#xx_f7d8855a-293d-4d8e-a067-19a772794dc6_28"> Electronic Transfer and Allocation Instructions </a></div>
                      <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;">
                    </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:5.85%;"> 42
                      </td>
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                    <td style="line-height:0pt;padding-bottom:1.5pt;padding-top:1.5pt;text-align:left;vertical-align:top;width:8.97%;"> &#160;
                      </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:85.18%;">
                      <div style="float:left;"><a href="#xx_f7d8855a-293d-4d8e-a067-19a772794dc6_28"> Excessive Trading and Market Timing </a></div>
                      <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;">
                    </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:5.85%;"> 42
                      </td>
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                  <tr style="page-break-inside:avoid;">
                    <td style="line-height:0pt;padding-bottom:1.5pt;padding-top:1.5pt;text-align:left;vertical-align:top;width:8.97%;"> &#160;
                      </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:85.18%;">
                      <div style="float:left;"><a href="#xx_f7d8855a-293d-4d8e-a067-19a772794dc6_30"> Voting Privileges </a></div>
                      <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;">
                    </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;width:5.85%;"> 44
                      </td>
                  </tr>
                  <tr style="page-break-inside:avoid;">
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:8.97%;"><a href="#xx_f7d8855a-293d-4d8e-a067-19a772794dc6_30"> 6. </a>
                    </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:85.18%;">
                      <div style="float:left;"><a href="#xx_f7d8855a-293d-4d8e-a067-19a772794dc6_30"> Expenses </a></div>
                      <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;">
                    </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:5.85%;"> 44
                      </td>
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                    <td style="line-height:10pt;padding-bottom:1.5pt;padding-top:1.5pt;text-align:left;vertical-align:top;width:8.97%;"> &#160;
                      </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:85.18%;">
                      <div style="float:left;"><a href="#xx_f7d8855a-293d-4d8e-a067-19a772794dc6_30"> Base Contract Expenses (Product Fee) </a></div>
                      <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;">
                    </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:5.85%;"> 44
                      </td>
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                    <td style="line-height:0pt;padding-bottom:1.5pt;padding-top:1.5pt;text-align:left;vertical-align:top;width:8.97%;"> &#160;
                      </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:85.18%;">
                      <div style="float:left;"><a href="#xx_f7d8855a-293d-4d8e-a067-19a772794dc6_32"> Contract Maintenance Charge (Administrative Expenses) </a></div>
                      <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;">
                    </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:5.85%;"> 46
                      </td>
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                  <tr style="page-break-inside:avoid;">
                    <td style="line-height:0pt;padding-bottom:1.5pt;padding-top:1.5pt;text-align:left;vertical-align:top;width:8.97%;"> &#160;
                      </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:85.18%;">
                      <div style="float:left;"><a href="#xx_f7d8855a-293d-4d8e-a067-19a772794dc6_32"> Withdrawal Charge </a></div>
                      <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;">
                    </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:5.85%;"> 46
                      </td>
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                  <tr style="page-break-inside:avoid;">
                    <td style="line-height:0pt;padding-bottom:1.5pt;padding-top:1.5pt;text-align:left;vertical-align:top;width:8.97%;"> &#160;
                      </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:85.18%;">
                      <div style="float:left;"><a href="#xx_f7d8855a-293d-4d8e-a067-19a772794dc6_34"> Transfer Fee </a></div>
                      <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;">
                    </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:5.85%;"> 48
                      </td>
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                  <tr style="page-break-inside:avoid;">
                    <td style="line-height:0pt;padding-bottom:1.5pt;padding-top:1.5pt;text-align:left;vertical-align:top;width:8.97%;"> &#160;
                      </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:85.18%;">
                      <div style="float:left;"><a href="#xx_f7d8855a-293d-4d8e-a067-19a772794dc6_35"> Daily Adjustment Maximum Potential Loss </a></div>
                      <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;">
                    </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:5.85%;"> 49
                      </td>
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                  <tr style="page-break-inside:avoid;">
                    <td style="line-height:0pt;padding-bottom:1.5pt;padding-top:1.5pt;text-align:left;vertical-align:top;width:8.97%;"> &#160;
                      </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:85.18%;">
                      <div style="float:left;"><a href="#xx_f7d8855a-293d-4d8e-a067-19a772794dc6_35"> Premium Tax </a></div>
                      <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;">
                    </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:5.85%;"> 49
                      </td>
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                  <tr style="page-break-inside:avoid;">
                    <td style="line-height:0pt;padding-bottom:1.5pt;padding-top:1.5pt;text-align:left;vertical-align:top;width:8.97%;"> &#160;
                      </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:85.18%;">
                      <div style="float:left;"><a href="#xx_f7d8855a-293d-4d8e-a067-19a772794dc6_35"> Income Tax </a></div>
                      <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;">
                    </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:5.85%;"> 49
                      </td>
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                  <tr style="page-break-inside:avoid;">
                    <td style="line-height:0pt;padding-bottom:1.5pt;padding-top:1.5pt;text-align:left;vertical-align:top;width:8.97%;"> &#160;
                      </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:85.18%;">
                      <div style="float:left;"><a href="#xx_f7d8855a-293d-4d8e-a067-19a772794dc6_35"> Variable Option Expenses </a></div>
                      <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;">
                    </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:5.85%;"> 49
                      </td>
                  </tr>
                  <tr style="page-break-inside:avoid;">
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:8.97%;"><a href="#xx_f7d8855a-293d-4d8e-a067-19a772794dc6_35"> 7. </a>
                    </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:85.18%;">
                      <div style="float:left;"><a href="#xx_f7d8855a-293d-4d8e-a067-19a772794dc6_35"> Access to Your Money </a></div>
                      <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;">
                    </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:5.85%;"> 49
                      </td>
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                    <td style="line-height:10pt;padding-bottom:1.5pt;padding-top:1.5pt;text-align:left;vertical-align:top;width:8.97%;"> &#160;
                      </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:85.18%;">
                      <div style="float:left;"><a href="#xx_f7d8855a-293d-4d8e-a067-19a772794dc6_36"> Free Withdrawal Privilege </a></div>
                      <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;">
                    </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:5.85%;"> 50
                      </td>
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                    <td style="line-height:0pt;padding-bottom:1.5pt;padding-top:1.5pt;text-align:left;vertical-align:top;width:8.97%;"> &#160;
                      </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:85.18%;">
                      <div style="float:left;"><a href="#xx_f7d8855a-293d-4d8e-a067-19a772794dc6_36"> Systematic Withdrawal Program </a></div>
                      <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;">
                    </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:5.85%;"> 50
                      </td>
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                    <td style="line-height:0pt;padding-bottom:1.5pt;padding-top:1.5pt;text-align:left;vertical-align:top;width:8.97%;"> &#160;
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                      <div style="float:left;"><a href="#xx_f7d8855a-293d-4d8e-a067-19a772794dc6_37"> Minimum Distribution Program and Required Minimum Distribution (RMD) Payments </a></div>
                      <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;">
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                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:5.85%;"> 51
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                    <td style="line-height:0pt;padding-bottom:1.5pt;padding-top:1.5pt;text-align:left;vertical-align:top;width:8.97%;"> &#160;
                      </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:85.18%;">
                      <div style="float:left;"><a href="#xx_f7d8855a-293d-4d8e-a067-19a772794dc6_37"> Waiver of Withdrawal Charge Benefit </a></div>
                      <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;">
                    </td>
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                    <td style="line-height:0pt;padding-top:1.5pt;text-align:left;vertical-align:top;width:8.97%;"> &#160;
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                      <div style="float:left;"><a href="#xx_f7d8855a-293d-4d8e-a067-19a772794dc6_37"> Suspension of Payments or Transfers </a></div>
                      <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;">
                    </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none;text-transform:none; vertical-align:bottom;white-space:nowrap;width:5.85%;"> 51
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        <div style="clear:both;">&#160;
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            <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:0.5pt solid #000000;height:0.5pt;width:100%;">
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          <div style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:13pt;text-align:center;text-decoration:none;text-transform:none;"><a href="#xx_f7d8855a-293d-4d8e-a067-19a772794dc6_37">Allianz
                Index Advantage<sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;">&#174;</sup> New York Variable Annuity Prospectus &#8211; April 29, 2022</a></div>
        </div>
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      <div style="clear:both;font-size:12pt;height:0pt;">
      </div>
      <hr style="margin-bottom:0pt;">
      <p style="margin:0pt;page-break-before:always;">&#160;
      </p>
      <div style="width:100%;">
        <a name="xx_71a22c1a-4680-4af4-8b87-c5a271301f6b_2">
        </a>
        <div style="font-family:Arial;font-size:7pt;line-height:10pt;font-weight:Normal;text-transform:none;text-align:left;vertical-align:bottom;padding-bottom:10pt;">
          <a href="#JOB_Index_3271f810-de27-47d4-9b4d-756928a3a1d0_va-toc">
            Table of Contents
          </a>
        </div>
        <div type="Block" style="width:100%;">
          <div style="color:#000000;font-family:Arial;font-size:9pt;font-style:Normal;font-weight:bold;line-height:12pt;text-decoration:none;text-transform:none;"><a href="#xx_f7d8855a-293d-4d8e-a067-19a772794dc6_37">&#160;4&#160;</a></div>
          <div style="text-align:left;"><font style="font-size:11pt;font-weight:Normal;line-height:14pt;"><a href="#xx_f7d8855a-293d-4d8e-a067-19a772794dc6_37">TABLE OF CONTENTS </a></font></div>
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        <div style="margin-top:12pt;">
          <div type="Block" style="float:left;overflow:hidden;position:relative;width:47.73%;">
            <div style="text-align:center;">
              <table cellspacing="0" cellpadding="0" id="zfe6d0c5e68d64660a9467814e042e7b0" style="border-collapse:collapse;empty-cells:show;margin-left:auto;margin-right:auto;margin-top:3pt;width:100.00%;">

                  <tr style="page-break-inside:avoid;">
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:8.97%;"><a href="#xx_f7d8855a-293d-4d8e-a067-19a772794dc6_37"> 8. </a>
                    </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:85.18%;">
                      <div style="float:left;"><a href="#xx_f7d8855a-293d-4d8e-a067-19a772794dc6_37"> The Annuity Phase </a></div>
                      <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;">
                    </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:5.85%;"> 51
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                    <td style="line-height:10pt;padding-bottom:1.5pt;padding-top:1.5pt;text-align:left;vertical-align:top;width:8.97%;"> &#160;
                      </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:85.18%;">
                      <div style="float:left;"><a href="#xx_f7d8855a-293d-4d8e-a067-19a772794dc6_38"> Calculating Your Annuity Payments </a></div>
                      <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;">
                    </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:5.85%;"> 52
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                    <td style="line-height:0pt;padding-bottom:1.5pt;padding-top:1.5pt;text-align:left;vertical-align:top;width:8.97%;"> &#160;
                      </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:85.18%;">
                      <div style="float:left;"><a href="#xx_f7d8855a-293d-4d8e-a067-19a772794dc6_38"> Annuity Payment Options </a></div>
                      <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;">
                    </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:5.85%;"> 52
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                    <td style="line-height:0pt;padding-bottom:1.5pt;padding-top:1.5pt;text-align:left;vertical-align:top;width:8.97%;"> &#160;
                      </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:85.18%;">
                      <div style="float:left;"><a href="#xx_f7d8855a-293d-4d8e-a067-19a772794dc6_39"> When Annuity Payments Begin </a></div>
                      <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;">
                    </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:5.85%;"> 53
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                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:8.97%;"><a href="#xx_d0900dac-c33c-42ef-bf73-3b3047122839_1"> 9. </a>
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                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:85.18%;">
                      <div style="float:left;"><a href="#xx_d0900dac-c33c-42ef-bf73-3b3047122839_1"> Benefits Available Under the Contract </a></div>
                      <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;">
                    </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:5.85%;"> 54
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                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:8.97%;"><a href="#xx_d0900dac-c33c-42ef-bf73-3b3047122839_3"> 10. </a>
                    </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:85.18%;">
                      <div style="float:left;"><a href="#xx_d0900dac-c33c-42ef-bf73-3b3047122839_3"> Death Benefit </a></div>
                      <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;">
                    </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:5.85%;"> 56
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                    <td style="line-height:10pt;padding-bottom:1.5pt;padding-top:1.5pt;text-align:left;vertical-align:top;width:8.97%;"> &#160;
                      </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:85.18%;">
                      <div style="float:left;"><a href="#xx_d0900dac-c33c-42ef-bf73-3b3047122839_5"> Death of the Owner and/or Annuitant </a></div>
                      <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;">
                    </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:5.85%;"> 58
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                    <td style="line-height:0pt;padding-bottom:1.5pt;padding-top:1.5pt;text-align:left;vertical-align:top;width:8.97%;"> &#160;
                      </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:85.18%;">
                      <div style="float:left;"><a href="#xx_d0900dac-c33c-42ef-bf73-3b3047122839_5"> Death Benefit Payment Options During the Accumulation Phase </a></div>
                      <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;">
                    </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:5.85%;"> 58
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                    <td style="line-height:0pt;padding-bottom:1.5pt;padding-top:1.5pt;text-align:left;vertical-align:top;width:8.97%;"> &#160;
                      </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:85.18%;">
                      <div style="float:left;"><a href="#xx_d0900dac-c33c-42ef-bf73-3b3047122839_5"> Death Benefit Payment Options </a></div>
                      <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;">
                    </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:5.85%;"> 58
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                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:8.97%;"><a href="#xx_d0900dac-c33c-42ef-bf73-3b3047122839_6"> 11. </a>
                    </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:85.18%;">
                      <div style="float:left;"><a href="#xx_d0900dac-c33c-42ef-bf73-3b3047122839_6"> Taxes </a></div>
                      <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;">
                    </td>
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                    <td style="line-height:10pt;padding-bottom:1.5pt;padding-top:1.5pt;text-align:left;vertical-align:top;width:8.97%;"> &#160;
                      </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:85.18%;">
                      <div style="float:left;"><a href="#xx_d0900dac-c33c-42ef-bf73-3b3047122839_6"> Annuity Contracts in General </a></div>
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                    </td>
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                    <td style="line-height:0pt;padding-bottom:1.5pt;padding-top:1.5pt;text-align:left;vertical-align:top;width:8.97%;"> &#160;
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                      <div style="float:left;"><a href="#xx_d0900dac-c33c-42ef-bf73-3b3047122839_6"> Qualified Contracts </a></div>
                      <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;">
                    </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:5.85%;"> 59
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                    <td style="line-height:0pt;padding-bottom:1.5pt;padding-top:1.5pt;text-align:left;vertical-align:top;width:8.97%;"> &#160;
                      </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:85.18%;">
                      <div style="float:left;"><a href="#xx_d0900dac-c33c-42ef-bf73-3b3047122839_7"> Summary of Individuals and Entities That Can Own a Qualified Contract </a></div>
                      <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;">
                    </td>
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                    <td style="line-height:0pt;padding-bottom:1.5pt;padding-top:1.5pt;text-align:left;vertical-align:top;width:8.97%;"> &#160;
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                      <div style="float:left;"><a href="#xx_d0900dac-c33c-42ef-bf73-3b3047122839_8"> Non-Qualified Contracts </a></div>
                      <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;">
                    </td>
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                    <td style="line-height:0pt;padding-bottom:1.5pt;padding-top:1.5pt;text-align:left;vertical-align:top;width:8.97%;"> &#160;
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                      <div style="float:left;"><a href="#xx_d0900dac-c33c-42ef-bf73-3b3047122839_8"> Non-Qualified Contracts Owned by Non-Individuals </a></div>
                      <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;">
                    </td>
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                    <td style="line-height:0pt;padding-bottom:1.5pt;padding-top:1.5pt;text-align:left;vertical-align:top;width:8.97%;"> &#160;
                      </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:85.18%;">
                      <div style="float:left;"><a href="#xx_d0900dac-c33c-42ef-bf73-3b3047122839_8"> Taxation of Withdrawals </a></div>
                      <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;">
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                    <td style="line-height:0pt;padding-bottom:1.5pt;padding-top:1.5pt;text-align:left;vertical-align:top;width:8.97%;"> &#160;
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                      <div style="float:left;"><a href="#xx_d0900dac-c33c-42ef-bf73-3b3047122839_8"> 10% Additional Federal Tax </a></div>
                      <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;">
                    </td>
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                    <td style="line-height:0pt;padding-bottom:1.5pt;padding-top:1.5pt;text-align:left;vertical-align:top;width:8.97%;"> &#160;
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                      <div style="float:left;"><a href="#xx_d0900dac-c33c-42ef-bf73-3b3047122839_10"> Non-Qualified Annuity Medicare Tax </a></div>
                      <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;">
                    </td>
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                    <td style="line-height:0pt;padding-bottom:1.5pt;padding-top:1.5pt;text-align:left;vertical-align:top;width:8.97%;"> &#160;
                      </td>
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                      <div style="float:left;"><a href="#xx_d0900dac-c33c-42ef-bf73-3b3047122839_10"> Payments for Financial Adviser Fees </a></div>
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                    </td>
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                    <td style="line-height:0pt;padding-bottom:1.5pt;padding-top:1.5pt;text-align:left;vertical-align:top;width:8.97%;"> &#160;
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                      <div style="float:left;"><a href="#xx_d0900dac-c33c-42ef-bf73-3b3047122839_10"> RMDs From Qualified Contracts </a></div>
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                    </td>
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                    <td style="line-height:0pt;padding-bottom:1.5pt;padding-top:1.5pt;text-align:left;vertical-align:top;width:8.97%;"> &#160;
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                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:85.18%;">
                      <div style="float:left;"><a href="#xx_d0900dac-c33c-42ef-bf73-3b3047122839_10"> Diversification </a></div>
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                    </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:5.85%;"> 63
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                    <td style="line-height:0pt;padding-bottom:1.5pt;padding-top:1.5pt;text-align:left;vertical-align:top;width:8.97%;"> &#160;
                      </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:85.18%;">
                      <div style="float:left;"><a href="#xx_d0900dac-c33c-42ef-bf73-3b3047122839_10"> Owner Control </a></div>
                      <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;">
                    </td>
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                    <td style="line-height:0pt;padding-bottom:1.5pt;padding-top:1.5pt;text-align:left;vertical-align:top;width:8.97%;"> &#160;
                      </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:85.18%;">
                      <div style="float:left;"><a href="#xx_d0900dac-c33c-42ef-bf73-3b3047122839_11"> Taxation of Annuity Payments </a></div>
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                    </td>
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                    <td style="line-height:0pt;padding-bottom:1.5pt;padding-top:1.5pt;text-align:left;vertical-align:top;width:8.97%;"> &#160;
                      </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:85.18%;">
                      <div style="float:left;"><a href="#xx_d0900dac-c33c-42ef-bf73-3b3047122839_11"> Distributions Upon the Owner&#8217;s Death (or Annuitant&#8217;s Death If the Owner Is a Non-individual) </a></div>
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                    </td>
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                    <td style="line-height:0pt;padding-bottom:1.5pt;padding-top:1.5pt;text-align:left;vertical-align:top;width:8.97%;"> &#160;
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                      <div style="float:left;"><a href="#xx_d0900dac-c33c-42ef-bf73-3b3047122839_12"> Tax-Free Section 1035 Exchanges </a></div>
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                    </td>
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                    <td style="line-height:0pt;padding-bottom:1.5pt;padding-top:1.5pt;text-align:left;vertical-align:top;width:8.97%;"> &#160;
                      </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:85.18%;">
                      <div style="float:left;"><a href="#xx_d0900dac-c33c-42ef-bf73-3b3047122839_13"> Multiple Non-Qualified Contracts Purchased In the Same Year By the Same Owner </a></div>
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                    </td>
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                    <td style="line-height:0pt;padding-bottom:1.5pt;padding-top:1.5pt;text-align:left;vertical-align:top;width:8.97%;"> &#160;
                      </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:85.18%;">
                      <div style="float:left;"><a href="#xx_d0900dac-c33c-42ef-bf73-3b3047122839_13"> Assignments, Pledges and Gratuitous Transfers </a></div>
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                    </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:5.85%;"> 66
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                    <td style="line-height:0pt;padding-bottom:1.5pt;padding-top:1.5pt;text-align:left;vertical-align:top;width:8.97%;"> &#160;
                      </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:85.18%;">
                      <div style="float:left;"><a href="#xx_d0900dac-c33c-42ef-bf73-3b3047122839_13"> Income Tax Withholding </a></div>
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                    </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:5.85%;"> 66
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                    <td style="line-height:0pt;padding-bottom:1.5pt;padding-top:1.5pt;text-align:left;vertical-align:top;width:8.97%;"> &#160;
                      </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:85.18%;">
                      <div style="float:left;"><a href="#xx_d0900dac-c33c-42ef-bf73-3b3047122839_14"> Federal Estate Taxes </a></div>
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                    </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:5.85%;"> 67
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                    <td style="line-height:0pt;padding-bottom:1.5pt;padding-top:1.5pt;text-align:left;vertical-align:top;width:8.97%;"> &#160;
                      </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:85.18%;">
                      <div style="float:left;"><a href="#xx_d0900dac-c33c-42ef-bf73-3b3047122839_14"> Generation-Skipping Transfer Tax </a></div>
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                    </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:5.85%;"> 67
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                    <td style="line-height:0pt;padding-bottom:1.5pt;padding-top:1.5pt;text-align:left;vertical-align:top;width:8.97%;"> &#160;
                      </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:85.18%;">
                      <div style="float:left;"><a href="#xx_d0900dac-c33c-42ef-bf73-3b3047122839_14"> Foreign Tax Credits </a></div>
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                    </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:5.85%;"> 67
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                    <td style="line-height:0pt;padding-bottom:1.5pt;padding-top:1.5pt;text-align:left;vertical-align:top;width:8.97%;"> &#160;
                      </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:85.18%;">
                      <div style="float:left;"><a href="#xx_d0900dac-c33c-42ef-bf73-3b3047122839_14"> Possible Tax Law Changes </a></div>
                      <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;">
                    </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:5.85%;"> 67
                      </td>
                  </tr>
                  <tr style="page-break-inside:avoid;">
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:8.97%;"><a href="#xx_d0900dac-c33c-42ef-bf73-3b3047122839_14"> 12. </a>
                    </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:85.18%;">
                      <div style="float:left;"><a href="#xx_d0900dac-c33c-42ef-bf73-3b3047122839_14"> Other Information </a></div>
                      <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;">
                    </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:5.85%;"> 67
                      </td>
                  </tr>
                  <tr style="page-break-inside:avoid;">
                    <td style="line-height:10pt;padding-bottom:1.5pt;padding-top:1.5pt;text-align:left;vertical-align:top;width:8.97%;"> &#160;
                      </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:85.18%;">
                      <div style="float:left;"><a href="#xx_d0900dac-c33c-42ef-bf73-3b3047122839_14"> The Registered Separate Account </a></div>
                      <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;">
                    </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:5.85%;"> 67
                      </td>
                  </tr>
                  <tr style="page-break-inside:avoid;">
                    <td style="line-height:0pt;padding-bottom:1.5pt;padding-top:1.5pt;text-align:left;vertical-align:top;width:8.97%;"> &#160;
                      </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:85.18%;">
                      <div style="float:left;"><a href="#xx_d0900dac-c33c-42ef-bf73-3b3047122839_14"> Our General Account </a></div>
                      <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;">
                    </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:5.85%;"> 67
                      </td>
                  </tr>
                  <tr style="page-break-inside:avoid;">
                    <td style="line-height:0pt;padding-bottom:1.5pt;padding-top:1.5pt;text-align:left;vertical-align:top;width:8.97%;"> &#160;
                      </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:85.18%;">
                      <div style="float:left;"><a href="#xx_d0900dac-c33c-42ef-bf73-3b3047122839_15"> Our Unregistered Separate Account </a></div>
                      <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;">
                    </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:5.85%;"> 68
                      </td>
                  </tr>
                  <tr style="page-break-inside:avoid;">
                    <td style="line-height:0pt;padding-bottom:1.5pt;padding-top:1.5pt;text-align:left;vertical-align:top;width:8.97%;"> &#160;
                      </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:85.18%;">
                      <div style="float:left;"><a href="#xx_d0900dac-c33c-42ef-bf73-3b3047122839_15"> Distribution </a></div>
                      <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;">
                    </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:5.85%;"> 68
                      </td>
                  </tr>
                  <tr style="page-break-inside:avoid;">
                    <td style="line-height:0pt;padding-bottom:1.5pt;padding-top:1.5pt;text-align:left;vertical-align:top;width:8.97%;"> &#160;
                      </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:85.18%;">
                      <div style="float:left;"><a href="#xx_d0900dac-c33c-42ef-bf73-3b3047122839_16"> Additional Credits for Certain Groups </a></div>
                      <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;">
                    </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:5.85%;"> 69
                      </td>
                  </tr>
                  <tr style="page-break-inside:avoid;">
                    <td style="line-height:0pt;padding-bottom:1.5pt;padding-top:1.5pt;text-align:left;vertical-align:top;width:8.97%;"> &#160;
                      </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:85.18%;">
                      <div style="float:left;"><a href="#xx_d0900dac-c33c-42ef-bf73-3b3047122839_17"> Administration/Allianz Service Center </a></div>
                      <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;">
                    </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:5.85%;"> 70
                      </td>
                  </tr>
                  <tr style="page-break-inside:avoid;">
                    <td style="line-height:0pt;padding-bottom:1.5pt;padding-top:1.5pt;text-align:left;vertical-align:top;width:8.97%;"> &#160;
                      </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:85.18%;">
                      <div style="float:left;"><a href="#xx_d0900dac-c33c-42ef-bf73-3b3047122839_17"> Legal Proceedings </a></div>
                      <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;">
                    </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:5.85%;"> 70
                      </td>
                  </tr>
                  <tr style="page-break-inside:avoid;">
                    <td style="line-height:0pt;padding-top:1.5pt;text-align:left;vertical-align:top;width:8.97%;"> &#160;
                      </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;width:85.18%;">
                      <div style="float:left;"><a href="#xx_d0900dac-c33c-42ef-bf73-3b3047122839_17"> Status Pursuant to Securities Exchange Act of 1934 </a></div>
                      <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;">
                    </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none;text-transform:none; vertical-align:bottom;white-space:nowrap;width:5.85%;"> 70
                      </td>
                  </tr>

              </table>
            </div>
          </div>
          <div type="Block" style="float:right;overflow:hidden;position:relative;width:47.73%;">
            <div style="text-align:center;">
              <table cellspacing="0" cellpadding="0" id="z0a45b704104643b5ab2245d904b0b904" style="border-collapse:collapse;empty-cells:show;margin-left:auto;margin-right:auto;margin-top:3pt;width:100.00%;">

                  <tr style="page-break-inside:avoid;">
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:8.97%;"><a href="#xx_d0900dac-c33c-42ef-bf73-3b3047122839_17"> 13. </a>
                    </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:85.18%;">
                      <div style="float:left;"><a href="#xx_d0900dac-c33c-42ef-bf73-3b3047122839_17"> Information on Allianz Life of New York </a></div>
                      <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;">
                    </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:5.85%;"> 70
                      </td>
                  </tr>
                  <tr style="page-break-inside:avoid;">
                    <td style="line-height:10pt;padding-bottom:1.5pt;padding-top:1.5pt;text-align:left;vertical-align:top;width:8.97%;"> &#160;
                      </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:85.18%;">
                      <div style="float:left;"><a href="#xx_d0900dac-c33c-42ef-bf73-3b3047122839_17"> Directors, Executive Officers and Corporate Governance </a></div>
                      <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;">
                    </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:5.85%;"> 70
                      </td>
                  </tr>
                  <tr style="page-break-inside:avoid;">
                    <td style="line-height:0pt;padding-bottom:1.5pt;padding-top:1.5pt;text-align:left;vertical-align:top;width:8.97%;"> &#160;
                      </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:85.18%;">
                      <div style="float:left;"><a href="#xx_d0900dac-c33c-42ef-bf73-3b3047122839_21"> Executive Compensation </a></div>
                      <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;">
                    </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:5.85%;"> 74
                      </td>
                  </tr>
                  <tr style="page-break-inside:avoid;">
                    <td style="line-height:0pt;padding-bottom:1.5pt;padding-top:1.5pt;text-align:left;vertical-align:top;width:8.97%;"> &#160;
                      </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:85.18%;">
                      <div style="float:left;"><a href="#xx_d0900dac-c33c-42ef-bf73-3b3047122839_31"> Security Ownership of Certain Beneficial Owners and Management </a></div>
                      <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;">
                    </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:5.85%;"> 84
                      </td>
                  </tr>
                  <tr style="page-break-inside:avoid;">
                    <td style="line-height:0pt;padding-bottom:1.5pt;padding-top:1.5pt;text-align:left;vertical-align:top;width:8.97%;"> &#160;
                      </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:85.18%;">
                      <div style="float:left;"><a href="#xx_d0900dac-c33c-42ef-bf73-3b3047122839_31"> Transactions with Related Persons, Promoters and Certain Control Persons </a></div>
                      <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;">
                    </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:5.85%;"> 84
                      </td>
                  </tr>
                  <tr style="page-break-inside:avoid;">
                    <td style="line-height:0pt;padding-bottom:1.5pt;padding-top:1.5pt;text-align:left;vertical-align:top;width:8.97%;"> &#160;
                      </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:85.18%;">
                      <div style="float:left;"><a href="#xx_d0900dac-c33c-42ef-bf73-3b3047122839_31"> Business and Operational Risks Relevant to the Contract </a></div>
                      <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;">
                    </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:5.85%;"> 84
                      </td>
                  </tr>
                  <tr style="page-break-inside:avoid;">
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:8.97%;"><a href="#xx_d0900dac-c33c-42ef-bf73-3b3047122839_39"> 14. </a>
                    </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:85.18%;">
                      <div style="float:left;"><a href="#xx_d0900dac-c33c-42ef-bf73-3b3047122839_39"> Financial Statements </a></div>
                      <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;">
                    </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;width:5.85%;"> 92
                    </td>
                  </tr>
                  <tr style="page-break-inside:avoid;">
                    <td colspan="2" style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:94.15%;">
                      <div style="float:left;"><a href="#xx_e59aaa52-34f6-4816-9f0c-3e2c18b5fd59_1"> Appendix A &#8211; Available Indexes </a></div>
                      <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;">
                    </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:5.85%;"> 93
                      </td>
                  </tr>
                  <tr style="page-break-inside:avoid;">
                    <td style="line-height:10pt;padding-bottom:1.5pt;padding-top:1.5pt;text-align:left;vertical-align:top;width:8.97%;"> &#160;
                      </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:85.18%;">
                      <div style="float:left;"><a href="#xx_e59aaa52-34f6-4816-9f0c-3e2c18b5fd59_1"> S&amp;P 500 <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#174; </sup> Index </a></div>
                      <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;">
                    </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:5.85%;"> 93
                      </td>
                  </tr>
                  <tr style="page-break-inside:avoid;">
                    <td style="line-height:0pt;padding-bottom:1.5pt;padding-top:1.5pt;text-align:left;vertical-align:top;width:8.97%;"> &#160;
                      </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:85.18%;">
                      <div style="float:left;"><a href="#xx_e59aaa52-34f6-4816-9f0c-3e2c18b5fd59_1"> Russell 2000 <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#174; </sup> Index </a></div>
                      <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;">
                    </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:5.85%;"> 93
                      </td>
                  </tr>
                  <tr style="page-break-inside:avoid;">
                    <td style="line-height:0pt;padding-bottom:1.5pt;padding-top:1.5pt;text-align:left;vertical-align:top;width:8.97%;"> &#160;
                      </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:85.18%;">
                      <div style="float:left;"><a href="#xx_e59aaa52-34f6-4816-9f0c-3e2c18b5fd59_2"> Nasdaq-100 <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#174; </sup> Index </a></div>
                      <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;">
                    </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:5.85%;"> 94
                      </td>
                  </tr>
                  <tr style="page-break-inside:avoid;">
                    <td style="line-height:0pt;padding-bottom:1.5pt;padding-top:1.5pt;text-align:left;vertical-align:top;width:8.97%;"> &#160;
                      </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:85.18%;">
                      <div style="float:left;"><a href="#xx_e59aaa52-34f6-4816-9f0c-3e2c18b5fd59_2"> EURO STOXX 50 <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#174; </sup></a></div>
                      <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;">
                    </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:5.85%;"> 94
                      </td>
                  </tr>
                  <tr style="page-break-inside:avoid;">
                    <td colspan="2" style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:94.15%;">
                      <div style="float:left;"><a href="#xx_4a6214d2-d8e6-4947-b071-e05dac3cb8f1_1"> Appendix B &#8211; Daily Adjustment </a></div>
                      <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;">
                    </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:5.85%;"> 96
                      </td>
                  </tr>
                  <tr style="page-break-inside:avoid;">
                    <td colspan="2" style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:94.15%;">
                      <div style="float:left;"><a href="#xx_cd237469-cff0-42b2-83fc-7fdf279e2827_1"> Appendix C &#8211; Historical Initial and Renewal Caps </a></div>
                      <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;">
                    </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:5.85%;"> 98
                      </td>
                  </tr>
                  <tr style="page-break-inside:avoid;">
                    <td style="line-height:10pt;padding-bottom:1.5pt;padding-top:1.5pt;text-align:left;vertical-align:top;width:8.97%;"> &#160;
                      </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:85.18%;">
                      <div style="float:left;"><a href="#xx_cd237469-cff0-42b2-83fc-7fdf279e2827_1"> Index Protection NY Strategy </a></div>
                      <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;">
                    </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:5.85%;"> 98
                      </td>
                  </tr>
                  <tr style="page-break-inside:avoid;">
                    <td style="line-height:0pt;padding-bottom:1.5pt;padding-top:1.5pt;text-align:left;vertical-align:top;width:8.97%;"> &#160;
                      </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:85.18%;">
                      <div style="float:left;"><a href="#xx_cd237469-cff0-42b2-83fc-7fdf279e2827_3"> Index Performance Strategy </a></div>
                      <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;">
                    </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:5.85%;"> 100
                      </td>
                  </tr>
                  <tr style="page-break-inside:avoid;">
                    <td colspan="2" style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:94.15%;">
                      <div style="float:left;"><a href="#xx_dee929be-a8e9-4895-8956-65538375ab99_1"> Appendix D &#8211; Historical Index Option Performance Information </a></div>
                      <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;">
                    </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:5.85%;"> 102
                      </td>
                  </tr>
                  <tr style="page-break-inside:avoid;">
                    <td style="line-height:10pt;padding-bottom:1.5pt;padding-top:1.5pt;text-align:left;vertical-align:top;width:8.97%;"> &#160;
                      </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:85.18%;">
                      <div style="float:left;"><a href="#xx_dee929be-a8e9-4895-8956-65538375ab99_3"> Index Performance Strategy with the S&amp;P 500 <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#174; </sup> Index </a></div>
                      <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;">
                    </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:5.85%;"> 104
                      </td>
                  </tr>
                  <tr style="page-break-inside:avoid;">
                    <td colspan="2" style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:94.15%;">
                      <div style="float:left;"><a href="#xx_1940c5d3-2b84-48e5-8848-f6bf8ef7cab8_1"> Appendix E &#8211; Annual Contract Fees Calculation Examples </a></div>
                      <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;">
                    </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:5.85%;"> 106
                      </td>
                  </tr>
                  <tr style="page-break-inside:avoid;">
                    <td colspan="2" style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:94.15%;">
                      <div style="float:left;"><a href="#xx_deb56f73-ec3b-4b6b-b148-14bf0c41802e_1"> Appendix F &#8211; Material Contract Variations by Issue Date </a></div>
                      <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;">
                    </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:5.85%;"> 107
                      </td>
                  </tr>
                  <tr style="page-break-inside:avoid;">
                    <td style="line-height:10pt;padding-bottom:1.5pt;padding-top:1.5pt;text-align:left;vertical-align:top;width:8.97%;"> &#160;
                      </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:85.18%;">
                      <div style="float:left;"><a href="#xx_deb56f73-ec3b-4b6b-b148-14bf0c41802e_1"> Crediting Method and/or Index Availability Restrictions </a></div>
                      <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;">
                    </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:5.85%;"> 107
                      </td>
                  </tr>
                  <tr style="page-break-inside:avoid;">
                    <td style="line-height:0pt;padding-bottom:1.5pt;padding-top:1.5pt;text-align:left;vertical-align:top;width:8.97%;"> &#160;
                      </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:85.18%;">
                      <div style="float:left;"><a href="#xx_deb56f73-ec3b-4b6b-b148-14bf0c41802e_1"> Automatic Performance Lock Availability Restrictions </a></div>
                      <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;">
                    </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:5.85%;"> 107
                      </td>
                  </tr>
                  <tr style="page-break-inside:avoid;">
                    <td colspan="2" style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:94.15%;">
                      <div style="float:left;"><a href="#xx_cf3303a0-002a-42d1-b4aa-5e0414d74319_1"> Appendix G &#8211; Variable Options Available Under the Contract </a></div>
                      <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;">
                    </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:5.85%;"> 108
                      </td>
                  </tr>
                  <tr style="page-break-inside:avoid;">
                    <td colspan="2" style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:94.15%;">
                      <div style="float:left;"><a href="#xx_f5a010e1-839e-4b4e-87d9-969ee15f0332_1"> Appendix H &#8211; Selected Financial Data and Statutory Financial Statements </a></div>
                      <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;">
                    </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:5.85%;"> 109
                      </td>
                  </tr>
                  <tr style="page-break-inside:avoid;">
                    <td style="line-height:10pt;padding-bottom:1.5pt;padding-top:1.5pt;text-align:left;vertical-align:top;width:8.97%;"> &#160;
                      </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:85.18%;">
                      <div style="float:left;"><a href="#xx_f5a010e1-839e-4b4e-87d9-969ee15f0332_1"> Management&#8217;s Discussion and Analysis of Financial Condition and Results of Operations (For the 12 month period ended December 31, 2021) </a></div>
                      <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;">
                    </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:5.85%;"> 109
                      </td>
                  </tr>
                  <tr style="page-break-inside:avoid;">
                    <td style="line-height:0pt;padding-bottom:1.5pt;padding-top:1.5pt;text-align:left;vertical-align:top;width:8.97%;"> &#160;
                      </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:85.18%;">
                      <div style="float:left;"><a href="#xx_f5a010e1-839e-4b4e-87d9-969ee15f0332_1"> Statutory Financial Statements </a></div>
                      <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;">
                    </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:5.85%;"> 109
                      </td>
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                  <tr style="page-break-inside:avoid;">
                    <td colspan="2" style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:94.15%;">
                      <div style="float:left;"><a href="#xx_48f6378b-4e44-4c19-8dc2-3a0a3a72cf37_1"> For Service or More Information </a></div>
                      <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;">
                    </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:5.85%;"> 110
                      </td>
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          <div style="color:#000000;font-family:Arial;font-size:9pt;font-style:Normal;font-weight:bold;line-height:12pt;text-align:center;text-decoration:none;text-transform:none;">&#160;5&#160;</div>
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            Table of Contents
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          <div style="color:#000000;font-family:Arial;font-size:11pt;font-style:Normal;font-weight:Normal;line-height:13pt;margin-top:5pt;text-align:left;text-decoration:none;text-transform:uppercase;">Glossary</div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;">This prospectus is written in plain English.
            However, there are some technical words or terms that are capitalized and are used as defined terms throughout the prospectus. For your convenience, we included this glossary to define these terms.</div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;">Accumulation Phase<font style="font-weight:Normal;">
              &#8211; the first phase of your Contract before you request Annuity Payments. The Accumulation Phase begins on the Issue Date.</font></div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;">Allocation Options<font style="font-weight:Normal;">
              &#8211; the Variable Options and Index Options available to you under the Contract.</font></div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;">Annuitant<font style="font-weight:Normal;"> &#8211; the
              individual upon whose life we base the Annuity Payments. Subject to our approval, the Owner designates the Annuitant, and can add a joint Annuitant for the Annuity Phase. There are restrictions on who can become an Annuitant.</font></div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;margin-bottom:2pt;margin-top:2pt;text-align:left;text-decoration:none;text-transform:none;"> Annuity Date <font style="font-weight:Normal;"> &#8211; the date we begin making Annuity Payments to the Payee from the Contract. The earliest available Annuity Date is 13 months after the Issue Date, and the latest possible Annuity Date is either age 90 or age
                100 depending on the requirements of the Financial Professional you purchased your Contract through. </font></div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;">Annuity Options<font style="font-weight:Normal;"> &#8211;
              the annuity income options available to you under the Contract.</font></div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;">Annuity Payments<font style="font-weight:Normal;">
              &#8211; payments made by us to the Payee pursuant to the chosen Annuity Option.</font></div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;">Annuity Phase<font style="font-weight:Normal;"> &#8211;
              the phase the Contract is in once Annuity Payments begin.</font></div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;">Beneficiary<font style="font-weight:Normal;"> &#8211; the
              person(s) or entity the Owner designates to receive any death benefit, unless otherwise required by the Contract or applicable law.</font></div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;margin-bottom:2pt;margin-top:2pt;text-align:left;text-decoration:none;text-transform:none; "> Buffer <font style="font-weight:Normal;"> &#8211; for each Index Option, this is the negative Index Return that we absorb before applying a negative Performance Credit. The Buffers are 10% or 30%, and do not change. </font></div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;"> Business Day <font style="font-weight:Normal;"> &#8211; each day on which the New York Stock Exchange is open for trading. Allianz Life of New York is open for business on each day that the New York Stock Exchange is open. Our Business Day ends when regular
                trading on the New York Stock Exchange closes, which is usually at 4:00 p.m. Eastern Time. </font></div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;">Cap<font style="font-weight:Normal;"> &#8211; for any
              Index Option, this is the upper limit on positive Index performance and the maximum potential Performance Credit for an Index Option. We set a Cap for each Index Option on the Index Effective Date and each Index Anniversary. The Caps
              applicable to your Contract are shown on the Index Options Statement.</font></div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;margin-bottom:2pt;margin-top:2pt;text-align:left;text-decoration:none;text-transform:none; "> Charge Base <font style="font-weight:Normal;"> &#8211; the Contract Value on the preceding Quarterly Contract Anniversary (or the initial Purchase Payment received on the Issue Date if this is before the first Quarterly Contract
                Anniversary), increased by the dollar amount of subsequent Purchase Payments, and reduced proportionately for subsequent withdrawals you take or financial adviser fees that you choose to have us pay from this Contract (including any
                withdrawal charge) and deductions we make for Contract fees and expenses. All withdrawals you take reduce the Charge Base, even Penalty-Free Withdrawals. We use the Charge Base to determine the next product fee we deduct. </font></div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;"> Contract <font style="font-weight:Normal;">
                &#8211; the individual flexible purchase payment index-linked and variable deferred annuity contract described by this prospectus. The Contract may also be referred to as a registered index-linked annuity, or &#8220;RILA&#8221;. </font></div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;">Contract Anniversary<font style="font-weight:Normal;"> &#8211; a twelve-month anniversary of the Issue Date or any subsequent Contract Anniversary.</font></div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;margin-bottom:2pt;margin-top:2pt;text-align:left;text-decoration:none;text-transform:none;"> Contract Value <font style="font-weight:Normal;"> &#8211; the value of your Purchase Payments based on the returns of your selected Allocation Options reduced for previously assessed Contract fees and expenses, and withdrawals. On any Business Day, your Contract
                Value is the sum of your Index Option Value(s) and Variable Account Value. The Variable Account Value component of the Contract Value fluctuates each Business Day that money is held in a Variable Option. The Index Option Value component of
                the Contract Value is adjusted on each Index Anniversary to reflect Performance Credits, which can be negative. </font> A negative Performance Credit means that you can lose principal and previous earnings. <font style="font-weight:Normal;"> The Index Option Values also reflect the Daily Adjustment on every Business Day other than the Index Effective Date or an Index Anniversary. All withdrawals you take reduce Contract Value dollar for dollar, even Penalty-Free Withdrawals, and financial adviser fees that you choose to have us pay from this Contract. Contract Value is also reduced dollar for dollar for
                deductions we make for Contract fees and expenses. However, Contract Value does not reflect future fees and expenses we would apply on liquidation. </font></div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;">Contract Year<font style="font-weight:Normal;"> &#8211;
              any period of twelve months beginning on the Issue Date or a subsequent Contract Anniversary.</font></div>
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          <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:0.5pt solid #000000;height:0.5pt;width:100%;">
          <div style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:13pt;margin-bottom:2pt;margin-top:2pt;text-align:center;text-decoration:none;text-transform:none;"> Allianz Index Advantage <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#174; </sup> New York Variable Annuity Prospectus &#8211; April 29, 2022 </div>
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          <div style="color:#000000;font-family:Arial;font-size:9pt;font-style:Normal;font-weight:bold;line-height:12pt;text-align:center;text-decoration:none;text-transform:none;">&#160;6&#160;</div>
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          <a href="#JOB_Index_3271f810-de27-47d4-9b4d-756928a3a1d0_va-toc">
            Table of Contents
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        </div>
        <div type="Block" style="width:100%;">
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;">Crediting Method<font style="font-weight:Normal;">
              &#8211; a method we use to calculate annual Performance Credits if you allocate Purchase Payments or transfer Contract Value to an Index Option.</font></div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;margin-bottom:2pt;margin-top:2pt;text-align:left;text-decoration:none;text-transform:none;"> Daily Adjustment <font style="font-weight:Normal;"> &#8211; how we calculate Index Option Values on days other than the Index Effective Date or an Index Anniversary for each Index Option as discussed in the Summary of the Index Options &#8211; What is the Daily Adjustment?;
                section 4, Valuing Your Contract &#8211; Daily Adjustment ; and Appendix B. The Daily Adjustment approximates the Index Option Value that will be available on the next Index Anniversary. It is the
                estimated present value of the future Performance Credit that we will apply on the next Index Anniversary. </font></div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;">Determining Life (Lives)<font style="font-weight:Normal;"> &#8211; the person(s) designated at Contract issue and named in the Contract on whose life we base the guaranteed Traditional Death Benefit.</font></div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;">Financial Professional<font style="font-weight:Normal;"> &#8211; the person who advises you regarding the Contract.</font></div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;">Good Order<font style="font-weight:Normal;"> &#8211; a
              request is in &#8220;Good Order&#8221; if it contains all of the information we require to process the request. If we require information to be provided in writing, &#8220;Good Order&#8221; also includes providing information on the correct form, with any required
              certifications, guarantees and/or signatures, and received at our Service Center after delivery to the correct mailing, email, or website address, which are all listed at the back of this prospectus. If you have questions about the
              information we require, or whether you can submit certain information by fax, email or over the web, please contact our Service Center. If you send information by email or upload it to our website, we send you a confirmation number that
              includes the date and time we received your information.</font></div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;margin-bottom:2pt;margin-top:2pt;text-align:left;text-decoration:none;text-transform:none; "> Guaranteed Death Benefit Value <font style="font-weight:Normal;"> &#8211; the guaranteed value that is available to your Beneficiary(s) on the first death of any Determining Life during the Accumulation Phase. The Guaranteed Death Benefit
                Value is total Purchase Payments reduced proportionately for withdrawals you take (including any withdrawal charge). All withdrawals you take reduce the Guaranteed Death Benefit Value, even Penalty-Free Withdrawals, and any financial
                adviser fees that you choose to have us pay from this Contract. However, we do not reduce the Guaranteed Death Benefit Value for deductions we make for Contract fees and expenses. </font></div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;">Index (Indexes)<font style="font-weight:Normal;"> &#8211;
              one (or more) of the nationally recognized third-party broad based equity securities Indexes available to you under your Contract. The Indexes are described in Appendix A.</font></div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;">Index Anniversary<font style="font-weight:Normal;">
              &#8211; a twelve-month anniversary of the Index Effective Date or any subsequent Index Anniversary. &#160;It is the date we apply Performance Credits. If an Index Anniversary does not occur on a Business Day, we consider it to occur on the next Business
              Day for the purposes of determining Index Values and Index Returns, applying Performance Credits, and setting the Caps.</font></div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;">Index Effective Date<font style="font-weight:Normal;"> &#8211; the first day we allocate assets to an Index Option. The Index Effective Date is stated on the Index Options Statement and starts the first Index Year. When you purchase this Contract you select the Index
              Effective Date as discussed in section 3, Purchasing the Contract &#8211; Allocation of Purchase Payments and Contract Value Transfers.</font></div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;margin-bottom:2pt;margin-top:2pt;text-align:left;text-decoration:none;text-transform:none;"> Index Option <font style="font-weight:Normal;"> &#8211; the index-linked investments available to you under the Contract. Each Index Option is the combination of a Crediting Method and an Index. </font></div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;"> Index Option Base <font style="font-weight:Normal;"> &#8211; an amount we use to calculate Performance Credits and the Daily Adjustment. The Index Option Base is initially equal to the amounts you allocate to an Index Option.
                We reduce the Index Option Base proportionately for withdrawals you take and any financial adviser fees that you choose to have us pay from this Contract (including any withdrawal charge), and
                deductions we make for Contract fees and expenses; we increase/decrease it by the dollar amount of additional Purchase Payments allocated to, transfers into or out of the Index Option; and any Performance Credits. </font></div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;"> Index Option Value <font style="font-weight:Normal;"> &#8211; on any Business Day, it is equal to the portion of your Contract Value in a particular Index Option. We establish an Index Option Value for each Index Option you select. Each Index Option Value includes any
                Performance Credits from previous Index Anniversaries and reflects proportional reductions for previous partial withdrawals you take and any financial adviser fees that you choose to have us pay from this Contract (including any withdrawal charge), and previous deductions we made for Contract fees and expenses. On each Business Day during the Index Year other than the Index
                Effective Date or an Index Anniversary, each Index Option Value also includes an increase/decrease from the Daily Adjustment. </font></div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;">Index Options Statement<font style="font-weight:Normal;"> &#8211; the account statement we mail to you on the Index Effective Date and each Index Anniversary thereafter. On the Index Effective Date, the statement shows the initial Index Values, Caps for the Index Options you
              selected. On each Index Anniversary, the statement shows the new Index Values, Performance Credits received, and</font></div>
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          <div style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:13pt;margin-bottom:2pt;margin-top:2pt;text-align:center;text-decoration:none;text-transform:none;"> Allianz Index Advantage <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#174; </sup> New York Variable Annuity Prospectus &#8211; April 29, 2022 </div>
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            Table of Contents
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          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;text-align:left;text-decoration:none;text-transform:none;">renewal Caps that are effective for the next year for the Index
            Options you selected. The Index Options Statement also shows the applicable Buffer for your selected Index Option(s).</div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;margin-bottom:2pt;margin-top:2pt;text-align:left;text-decoration:none;text-transform:none;"> Index Performance Strategy <font style="font-weight:Normal;"> &#8211; one of the Crediting Methods described in the Summary of the Index Options; and in section 4, Valuing Your Contract &#8211; Calculating Credits. The Index Performance
                Strategy calculates Performance Credits based on Index Returns subject to a Cap and 10% Buffer. You can receive negative Performance Credits, which means you can lose principal and previous earnings. The Index Performance Strategy provides
                the highest potential returns. Its Caps will generally be greater than the Index Protection NY Strategy Caps. The Index Performance Strategy is more sensitive to large negative market movements because small negative market movements are
                absorbed by the 10% Buffer. </font></div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;"> Index Protection NY Strategy <font style="font-weight:Normal;"> &#8211; one of the Crediting Methods described in the Summary of the Index Options; and in section 4, Valuing Your Contract &#8211; Calculating Credits. The Index Protection
                NY Strategy calculates Performance Credits based on Index Returns subject to a Cap and 30% Buffer. You can receive negative Performance Credits under this Crediting Method, which means you can lose principal and previous earnings. The Index
                Protection NY Strategy provides more protection than the Index Performance Strategy. It generally has higher Buffers in exchange for lower Caps. </font></div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;">Index Return<font style="font-weight:Normal;"> &#8211;
              the percentage change in Index Value from the Index Effective Date or an Index Anniversary to the next Index Anniversary, which we use to determine the Performance Credits for any Index Option. The Index Return is an Index&#8217;s current Index
              Value, minus its Index Value on the last Index Anniversary (or the Index Effective Date if this is the first Index Anniversary), divided by its Index Value on the last Index Anniversary (or the Index Effective Date if this is the first Index
              Anniversary).</font></div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;margin-bottom:2pt;margin-top:2pt;text-align:left;text-decoration:none;text-transform:none; "> Index Value <font style="font-weight:Normal;"> &#8211; an Index&#8217;s closing market price at the end of the Business Day on the Index Effective Date and each Index Anniversary as provided by Bloomberg or another market source if Bloomberg is
                not available. </font></div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;">Index Year<font style="font-weight:Normal;"> &#8211; a
              twelve-month period beginning on the Index Effective Date or a subsequent Index Anniversary.</font></div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;">Issue Date<font style="font-weight:Normal;"> &#8211; the
              date we issue the Contract. The Issue Date is stated in your Contract and starts your first Contract Year. Contract Anniversaries and Contract Years are measured from the Issue Date.</font></div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;">Joint Owners<font style="font-weight:Normal;"> &#8211;
              the two person(s) designated at Contract issue and named in the Contract who may exercise all rights granted by the Contract.</font></div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;">Lock Date<font style="font-weight:Normal;"> &#8211; this
              is the Business Day we execute a Performance Lock and capture an Index Option Value (which </font><font style="text-decoration:underline;">includes</font><font style="font-weight:Normal;"> the Daily Adjustment) before the Index Anniversary.</font></div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;">Non-Qualified Contract<font style="font-weight:Normal;"> &#8211; a Contract that is not purchased under a pension or retirement plan that qualifies for special tax treatment under sections of the Code.</font></div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;">Owner<font style="font-weight:Normal;"> &#8211; &#8220;you,&#8221;
              &#8220;your&#8221; and &#8220;yours.&#8221; The person(s) or entity designated at Contract issue and named in the Contract who may exercise all rights granted by the Contract.</font></div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;">Payee<font style="font-weight:Normal;"> &#8211; the
              person or entity who receives Annuity Payments during the Annuity Phase.</font></div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;margin-bottom:2pt;margin-top:2pt;text-align:left;text-decoration:none;text-transform:none; "> Penalty-Free Withdrawals <font style="font-weight:Normal;"> &#8211; withdrawals you take that are not subject to a withdrawal charge. Penalty-Free Withdrawals include withdrawals you take under the free withdrawal privilege or waiver of
                withdrawal charge benefit, and RMD payments you take under our minimum distribution program. </font></div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;"> Performance Credit <font style="font-weight:Normal;"> &#8211; the return you receive on an Index Anniversary when you allocate assets to an Index Option. We base Performance Credits on Index Values and Index Returns as limited by the applicable Cap if returns are
                positive, or after application of the Buffer if returns are negative. If Performance Credits are negative, </font> you can lose principal and previous earnings. </div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;"> Performance Lock <font style="font-weight:Normal;"> &#8211; a feature that allows you to capture the current Index Option Value during the Index Year . A Performance Lock applies to the total Index Option Value in an Index Option, and not just a portion of that Index
                Option Value. After the Lock Date, Daily Adjustments do not apply to a locked Index Option for the remainder of the Index Year and the Index Option Value will not receive a Performance Credit on the Index Anniversary. </font></div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;">Proxy Investment<font style="font-weight:Normal;">
              &#8211; provides a current estimate of what the Performance Credit will be on the next Index Anniversary taking into account any applicable Buffer and Cap. We use the Proxy Investment to calculate the Daily Adjustment on Business Days other than
              the Index Effective Date or an Index Anniversary. For more information, see Appendix B.</font></div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;">Proxy Value<font style="font-weight:Normal;"> &#8211; the
              hypothetical value of the Proxy Investment used to calculate the Daily Adjustment as discussed in Appendix B.</font></div>
        </div>
        <div type="Block" style="margin-top:4pt;width:100%;">
          <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:0.5pt solid #000000;height:0.5pt;width:100%;">
          <div style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:13pt;margin-bottom:2pt;margin-top:2pt;text-align:center;text-decoration:none;text-transform:none;"> Allianz Index Advantage <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#174; </sup> New York Variable Annuity Prospectus &#8211; April 29, 2022 </div>
        </div>
        <div type="Block" style="margin-top:4pt;width:100%;">
          <div style="color:#000000;font-family:Arial;font-size:9pt;font-style:Normal;font-weight:bold;line-height:12pt;text-align:center;text-decoration:none;text-transform:none;">&#160;8&#160;</div>
        </div>
      </div>
      <div style="clear:both;font-size:12pt;height:0pt;">
      </div>
      <hr style="margin-bottom:0pt;">
      <p style="margin:0pt;page-break-before:always;">&#160;
      </p>
      <div style="width:100%;">
        <a name="xx_03ca0746-f6ac-49f4-8a46-6bbab4470beb_4">
        </a>
        <div style="font-family:Arial;font-size:7pt;line-height:10pt;font-weight:Normal;text-transform:none;text-align:left;vertical-align:bottom;padding-bottom:10pt;">
          <a href="#JOB_Index_3271f810-de27-47d4-9b4d-756928a3a1d0_va-toc">
            Table of Contents
          </a>
        </div>
        <div type="Block" style="width:100%;">
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;">Purchase Payment<font style="font-weight:Normal;">
              &#8211; the money you put into the Contract.</font></div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;">Qualified Contract<font style="font-weight:Normal;">
              &#8211; a Contract purchased under a pension or retirement plan that qualifies for special tax treatment under sections of the Code (for example, 401(a) and 401(k) plans), Individual Retirement Annuities (IRAs), or Tax-Sheltered Annuities (referred
              to as TSA contracts). Currently, we issue Qualified Contracts that may include, but are not limited to Roth IRAs, traditional IRAs and Simplified Employee Pension (SEP) IRAs. We may also issue an Inherited IRA and Inherited Roth IRA to make
              any required minimum distribution payments to a beneficiary of a previously held tax-qualified arrangement.</font></div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;">Quarterly Contract Anniversary<font style="font-weight:Normal;"> &#8211; the day that occurs three calendar months after the Issue Date or any subsequent Quarterly Contract Anniversary.</font></div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;">Separate Account<font style="font-weight:Normal;">
              &#8211; Allianz Life of NY Variable Account C is the Separate Account that issues the variable investment portion of your Contract. It is a separate investment account of Allianz Life of New York. The Separate Account holds the Variable Options
              that underlie the Contracts. The Separate Account is divided into subaccounts, each of which invests exclusively in a single Variable Option. The Separate Account is registered with the SEC as a unit investment trust, and may be referred to
              as the Registered Separate Account.</font></div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;">Service Center<font style="font-weight:Normal;"> &#8211;
              the area of our company that issues Contracts and provides Contract maintenance and routine customer service. Our Service Center address and telephone number are listed at the back of this prospectus. The address for mailing applications
              and/or checks for Purchase Payments may be different and is also listed at the back of this prospectus.</font></div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;margin-bottom:2pt;margin-top:2pt;text-align:left;text-decoration:none;text-transform:none; "> Traditional Death Benefit <font style="font-weight:Normal;"> &#8211; the guaranteed death benefit automatically provided by the Contract for no additional fee described in section 10. </font></div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;">Valid Claim<font style="font-weight:Normal;"> &#8211; the
              documents we require to be received in Good Order at our Service Center before we pay any death claim. This includes the death benefit payment option, due proof of death, and any required governmental forms. Due proof of death includes a
              certified copy of the death certificate, a decree of court of competent jurisdiction as to the finding of death, or any other proof satisfactory to us.</font></div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;margin-bottom:2pt;margin-top:2pt;text-align:left;text-decoration:none;text-transform:none;"> Variable Account Value <font style="font-weight:Normal;"> &#8211; on any Business Day it is equal to the portion of your Contract Value in your selected Variable Options. The Variable Account Value increases and decreases based on your selected Variable Options&#8217; performance
                and reflects deduction of the Variable Option operating expenses, and previous deductions we made for Contract fees and expenses. </font></div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;">Variable Options<font style="font-weight:Normal;">
              &#8211; the variable investments available to you under the Contract. Variable Option performance is based on the securities in which they invest.</font></div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;">Withdrawal Charge Basis<font style="font-weight:Normal;"> &#8211; the total amount under your Contract that is subject to a withdrawal charge as discussed in section 6, Expenses &#8211; Withdrawal Charge.</font></div>
        </div>
        <div type="Block" style="margin-top:253pt;width:100%;">
          <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:0.5pt solid #000000;height:0.5pt;width:100%;">
          <div style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:13pt;margin-bottom:2pt;margin-top:2pt;text-align:center;text-decoration:none;text-transform:none;"> Allianz Index Advantage <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#174; </sup> New York Variable Annuity Prospectus &#8211; April 29, 2022 </div>
        </div>
        <div type="Block" style="margin-top:4pt;width:100%;">
          <div style="color:#000000;font-family:Arial;font-size:9pt;font-style:Normal;font-weight:bold;line-height:12pt;text-align:center;text-decoration:none;text-transform:none;">&#160;9&#160;</div>
        </div>
      </div>
      <div style="clear:both;font-size:12pt;height:0pt;">
      </div>
      <hr style="margin-bottom:0pt;">
      <p style="margin:0pt;page-break-before:always;">&#160;
      </p>
      <div style="width:100%;">
        <a name="xx_8ae04822-ac73-4a48-93fe-8df18cd1e587_1">
        </a>
        <div style="font-family:Arial;font-size:7pt;line-height:10pt;font-weight:Normal;text-transform:none;text-align:left;vertical-align:bottom;padding-bottom:10pt;">
          <a href="#JOB_Index_3271f810-de27-47d4-9b4d-756928a3a1d0_va-toc">
            Table of Contents
          </a>
        </div>
        <div type="Block" style="width:100%;">
          <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:2pt solid #000000;height:2pt;width:100%;">
          <div style="color:#000000;font-family:Arial;font-size:11pt;font-style:Normal;font-weight:Normal;line-height:13pt;margin-top:5pt;text-align:left;text-decoration:none;text-transform:uppercase;"> Important Information You Should Consider About the
              Contract </div>
          <div style="text-align:center;">
            <table cellspacing="0" cellpadding="0" id="zc46d673d762d4cdbb84f0ecc1c371299" style="border-bottom:0.5pt solid #000000;border-collapse:separate;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;margin-left:auto;margin-right:auto;margin-top:6pt;width:99.19%;">

                <tr style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;line-height:10pt;padding-bottom:2.25pt;padding-right:5pt;padding-top:5pt;text-align:left;vertical-align:top;width:13.27%;"> &#160;
                    </td>
                  <td colspan="3" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-bottom:2.25pt;padding-left:5pt; padding-right:5pt;padding-top:5pt;text-align:center;text-decoration:none;text-transform:uppercase;vertical-align:bottom;width:70.0%;"> FEES AND EXPENSES
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-bottom:2.25pt;padding-left:5pt;padding-right:4pt; padding-top:5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;width:16.73%;"> Prospectus <br>

                      Location
                    </td>
                </tr>
                <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-left:4pt;padding-right:5pt; padding-top:2.25pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:13.27%;"> Charges <br>

                      for Early <br>

                      Withdrawals
                    </td>
                  <td colspan="3" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:5pt;padding-right:5pt; padding-top:2.25pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:70.0%;"> If you withdraw money from the Contract within 6 years of your last Purchase Payment, you may be assessed a withdrawal
                      charge of up to 8.5% of the Purchase Payment withdrawn, declining to 0% over that time period. For example, if you invest $100,000 in the Contract and make an early withdrawal, you could pay a withdrawal charge of up to $8,500. <br>

                      &#8195; <br>

                      In addition, if you take a full or partial withdrawal (including financial adviser fees that you choose to have us pay from this Contract) from an Index Option on a date other than the Index Effective Date or an Index Anniversary, a
                      Daily Adjustment will apply to the Index Option Value available for withdrawal. The Daily Adjustment also applies if before the Index Anniversary you execute a Performance Lock, annuitize the Contract, we pay a death benefit, or we
                      deduct Contract fees and expenses. The Daily Adjustment may be positive, negative, or equal to zero. A negative Daily Adjustment will result in loss. In extreme circumstances, a negative Daily Adjustment could result in a loss beyond
                      the protection of the 10% or 30% Buffer, but it cannot result in a total loss of -100%.
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-left:5pt;padding-right:4pt;padding-top:2.25pt;text-align:left; text-decoration:none;text-transform:none;vertical-align:top;width:16.73%;"> Fee Tables <br>

                      &#8195; <br>

                      4. Valuing Your <br>

                      Contract &#8211; Daily <br>

                      Adjustment <br>

                      &#8195; <br>

                      6. Expenses &#8211; <br>

                      Withdrawal <br>

                      Charge <br>

                      &#8195; <br>

                      Appendix B &#8211; Daily <br>

                      Adjustment
                    </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-left:4pt;padding-right:5pt; padding-top:2.25pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:13.27%;"> Transaction <br>

                      Charges
                    </td>
                  <td colspan="3" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:5pt;padding-right:5pt; padding-top:2.25pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:70.0%;"> In addition to withdrawal charges, and Daily Adjustments that may apply to withdrawals and other transactions from the Index
                      Options, we will also charge you a fee of $25 per transfer after you exceed 12 transfers between Variable Options (the variable investments available to you) in a Contract Year.
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-left:5pt;padding-right:4pt;padding-top:2.25pt;text-align:left; text-decoration:none;text-transform:none;vertical-align:top;width:16.73%;"> Fee Tables <br>

                      &#8195; <br>

                      6. Expenses &#8211; <br>

                      Transfer Fee
                    </td>
                </tr>
                <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                  <td rowspan="4" style="border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-left:4pt;padding-right:5pt;padding-top:2.25pt;text-align:left; text-decoration:none;text-transform:none;vertical-align:top;width:13.27%;"> Ongoing <br>

                      Fees and <br>

                      Expenses <br>
                    <font style="font-weight:Normal;"> (annual charges) </font>
                  </td>
                  <td colspan="3" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:5pt;padding-right:5pt; padding-top:2.25pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:70.0%;"> The table below describes the fees and expenses that you may pay <font style="font-style:italic;"> each year </font> ,
                      depending on the options you choose. Please refer to your Contract specifications page for information about the specific fees you will pay <font style="font-style:italic;"> each year </font> based on the options you have
                      elected. These ongoing fees and expenses do not reflect any financial adviser fees paid to a Financial Professional from your Contract Value or other assets of the Owner. If such charges were reflected, these ongoing fees and expenses
                      would be higher. <br>

                      &#8195;
                    </td>
                  <td rowspan="4" style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-left:5pt;padding-right:4pt;padding-top:2.25pt;text-align:left; text-decoration:none;text-transform:none;vertical-align:top;width:16.73%;"> Fee Tables <br>

                      &#8195; <br>

                      6. Expenses <br>

                      &#8195; <br>

                      Appendix G &#8211; Variable <br>

                      Options <br>

                      Under the <br>

                      Contract
                    </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-bottom:2.25pt;padding-left:5pt; padding-right:5pt;padding-top:2.25pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:35.31%;"> Annual Fee
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-bottom:2.25pt;padding-left:5pt; padding-right:5pt;padding-top:2.25pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;white-space:nowrap;width:17.35%;"> Minimum
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-bottom:2.25pt;padding-left:5pt; padding-right:4pt;padding-top:2.25pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;white-space:nowrap;width:17.35%;"> Maximum
                    </td>
                </tr>
                <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:5pt;padding-right:5pt; padding-top:2.25pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:35.31%;"> Base Contract <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> (1) </sup>
                  </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:5pt;padding-right:5pt; padding-top:2.25pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:17.35%;"> 1.26%
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:5pt;padding-right:4pt; padding-top:2.25pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:17.35%;"> 1.26%
                    </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:5pt;padding-right:5pt; padding-top:2.25pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:35.31%;"> Investment Options <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> (2) </sup><br>

                      (Variable Option fees and expenses)
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:5pt;padding-right:5pt; padding-top:2.25pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:17.35%;"> 0.65%
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:5pt;padding-right:4pt; padding-top:2.25pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:17.35%;"> 0.71%
                    </td>
                </tr>
                <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;line-height:10pt;padding-right:5pt;padding-top:2.25pt;text-align:left;vertical-align:top;width:13.27%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:5pt;padding-right:5pt; padding-top:2.25pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:35.31%;"> Optional Benefits Available for an Additional Charge <br>

                      (for a single optional benefit, if elected)
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:5pt;padding-right:5pt; padding-top:2.25pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;width:17.35%;"> Not Applicable
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:5pt;padding-right:5pt; padding-top:2.25pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;width:17.35%;"> Not Applicable
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;line-height:10pt;padding-right:4pt;padding-top:2.25pt;text-align:left;vertical-align:top;width:16.73%;"> &#160;
                    </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="border-right:0.5pt solid #000000;line-height:0pt;padding-right:5pt;padding-top:2.25pt;text-align:left;vertical-align:top;width:13.27%;"> &#160;
                    </td>
                  <td colspan="3" style="border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:5pt;padding-right:5pt;padding-top:2.25pt;text-align:left; text-decoration:none;text-transform:none;vertical-align:top;width:70.0%;"><sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> (1) </sup><font style="font-size:8pt;line-height:9pt;"> As a percentage of the Charge
                        Base, plus an amount attributable to the contract maintenance charge. </font>
                  </td>
                  <td style="line-height:10pt;padding-right:4pt;padding-top:2.25pt;text-align:left;vertical-align:top;width:16.73%;"> &#160;
                    </td>
                </tr>
                <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                  <td style="border-right:0.5pt solid #000000;line-height:0pt;padding-right:5pt;padding-top:0.75pt;text-align:left;vertical-align:top;width:13.27%;"> &#160;
                    </td>
                  <td colspan="3" style="border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:5pt;padding-right:5pt;padding-top:0.75pt;text-align:left; text-decoration:none;text-transform:none;vertical-align:top;width:70.0%;"><sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> (2) </sup><font style="font-size:8pt;line-height:9pt;"> As a percentage of the Variable
                        Option&#8217;s average daily net assets. </font>
                  </td>
                  <td style="line-height:10pt;padding-right:4pt;padding-top:0.75pt;text-align:left;vertical-align:top;width:16.73%;"> &#160;
                    </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="border-right:0.5pt solid #000000;line-height:0pt;padding-right:5pt;padding-top:0.75pt;text-align:left;vertical-align:top;width:13.27%;"> &#160;
                    </td>
                  <td colspan="3" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:5pt;padding-right:5pt; padding-top:0.75pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:70.0%;"> Because your Contract is customizable, the choices you make affect how much you will pay. To help you understand the cost of
                      owning your Contract, the following table shows the lowest and highest cost you could pay each year, based on current charges. This estimate assumes that you do not take withdrawals from the Contract, <font style="font-weight:bold;"> which if taken from the Index Options could result in substantial losses due to the application of negative Daily Adjustments </font> .
                    </td>
                  <td style="line-height:10pt;padding-right:4pt;padding-top:0.75pt;text-align:left;vertical-align:top;width:16.73%;"> &#160;
                    </td>
                </tr>
                <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                  <td style="border-right:0.5pt solid #000000;line-height:0pt;padding-bottom:2.25pt;padding-right:5pt;padding-top:2.25pt;text-align:left;vertical-align:top;width:13.27%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt SOLID #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:11pt; padding-bottom:2.25pt;padding-left:5pt;padding-right:5pt;padding-top:2.25pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:35.31%;"> Lowest Annual Cost: <br>

                      $2,212
                    </td>
                  <td colspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt SOLID #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:11pt; padding-bottom:2.25pt;padding-left:5pt;padding-right:5pt;padding-top:2.25pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:34.69%;"> Highest Annual Cost: <br>

                      $2,275
                    </td>
                  <td style="line-height:0pt;padding-bottom:2.25pt;padding-right:4pt;padding-top:2.25pt;text-align:left;vertical-align:top;width:16.73%;"> &#160;
                    </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt Solid #000000;border-right:0.5pt solid #000000;line-height:0pt;padding-bottom:4pt;padding-right:5pt;padding-top:2.25pt;text-align:left;vertical-align:top;width:13.27%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt Solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:4pt;padding-left:5pt; padding-right:5pt;padding-top:2.25pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:35.31%;"> Assumes: <br>

                      &#8226; Investment of $100,000 <br>

                      &#8226; Least expensive Variable Option fees and expenses <br>

                      &#8226; 5% annual appreciation <br>

                      &#8226; No additional Purchase Payments, transfers, or withdrawals <br>

                      &#8226; No financial adviser fees
                    </td>
                  <td colspan="2" style="border-bottom:0.5pt Solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:4pt;padding-left:14pt; padding-right:5pt;padding-top:2.25pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:34.69%;"> Assumes: <br>

                      &#8226; Investment of $100,000 <br>

                      &#8226; Most expensive Variable Option fees and expenses <br>

                      &#8226; 5% annual appreciation <br>

                      &#8226; No additional Purchase Payments, transfers, or withdrawals <br>

                      &#8226; No financial adviser fees
                    </td>
                  <td style="border-bottom:0.5pt Solid #000000;line-height:10pt;padding-bottom:4pt;padding-right:4pt;padding-top:2.25pt;text-align:left;vertical-align:top;width:16.73%;"> &#160;
                    </td>
                </tr>

            </table>
          </div>
        </div>
        <div type="Block" style="margin-top:25pt;width:100%;">
          <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:0.5pt solid #000000;height:0.5pt;width:100%;">
          <div style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:13pt;margin-bottom:2pt;margin-top:2pt;text-align:center;text-decoration:none;text-transform:none;"> Allianz Index Advantage <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#174; </sup> New York Variable Annuity Prospectus &#8211; April 29, 2022 </div>
        </div>
        <div type="Block" style="margin-top:4pt;width:100%;">
          <div style="color:#000000;font-family:Arial;font-size:9pt;font-style:Normal;font-weight:bold;line-height:12pt;text-align:center;text-decoration:none;text-transform:none;">&#160;10&#160;</div>
        </div>
      </div>
      <div style="clear:both;font-size:12pt;height:0pt;">
      </div>
      <hr style="margin-bottom:0pt;">
      <p style="margin:0pt;page-break-before:always;">&#160;
      </p>
      <div style="width:100%;">
        <a name="xx_8ae04822-ac73-4a48-93fe-8df18cd1e587_2">
        </a>
        <div style="font-family:Arial;font-size:7pt;line-height:10pt;font-weight:Normal;text-transform:none;text-align:left;vertical-align:bottom;padding-bottom:10pt;">
          <a href="#JOB_Index_3271f810-de27-47d4-9b4d-756928a3a1d0_va-toc">
            Table of Contents
          </a>
        </div>
        <div type="Block" style="width:100%;">
          <div style="text-align:center;">
            <table cellspacing="0" cellpadding="0" id="z914b9b991e9d4d749850a7c18668597f" style="border-bottom:0.5pt solid #000000;border-collapse:collapse;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;margin-left:auto;margin-right:auto;margin-top:0pt;width:99.19%;">

                <tr style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-bottom:2.25pt;padding-right:5pt;padding-top:5pt;text-align:left;vertical-align:top;width:13.27%;"> &#160;
                    </td>
                  <td colspan="3" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-bottom:2.25pt;padding-left:5pt; padding-right:5pt;padding-top:5pt;text-align:center;text-decoration:none;text-transform:uppercase;vertical-align:bottom;white-space:nowrap;width:70.0%;"> RISKS
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-bottom:2.25pt;padding-left:5pt;padding-right:4pt; padding-top:5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;width:16.73%;"> Prospectus <br>

                      Location
                  </td>
                </tr>
                <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-left:4pt;padding-right:5pt; padding-top:2.25pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:13.27%;"> Risk of <br>

                      Loss
                    </td>
                  <td colspan="3" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:5pt;padding-right:5pt; padding-top:2.25pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:70.0%;"> You can lose money by investing in the Contract, including loss of principal and previous earnings.
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-left:5pt;padding-right:4pt;padding-top:2.25pt;text-align:left; text-decoration:none;text-transform:none;vertical-align:top;width:16.73%;"> Risk Factors
                    </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-left:4pt;padding-right:5pt; padding-top:2.25pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:13.27%;"> Not a <br>

                      Short-Term <br>

                      Investment
                    </td>
                  <td colspan="3" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:5pt;padding-right:5pt; padding-top:2.25pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:70.0%;"> &#8226; This Contract is not a short-term investment and is not appropriate if you need ready access to cash. &#8226; Considering
                      the benefits of tax deferral and long-term income, the Contract is generally more beneficial to investors with a long investment time horizon. &#8226; If within six years after we receive a Purchase Payment you take a full or partial
                      withdrawal (including financial adviser fees that you choose to have us pay from this Contract), withdrawal charges may apply. A withdrawal charge may reduce your Contract Value or the amount of money that you actually receive.
                      Withdrawals may reduce or end Contract guarantees. &#8226; Withdrawals may be subject to income taxes, including a 10% additional federal tax that may apply to withdrawals taken before age 59&#8202; <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#8202;1 </sup> &#8260; <font style="font-size:6pt;line-height:7pt;"> 2 </font> . &#8226; Amounts invested in an Index Option must be held in the Index Option for a
                      full Index Year before they can receive a Performance Credit. We apply a Daily Adjustment if before the Index Anniversary you take a full or partial withdrawal (including financial adviser fees that you choose to have us pay from this
                      Contract), annuitize the Contract, execute a Performance Lock, we pay a death benefit, or we deduct Contract fees and expenses. The Daily Adjustment takes into account any Index gains subject to the applicable Cap, but in the form of
                      the estimated present value. Therefore, the Daily Adjustment could result in a loss beyond the protection of the Buffer. In extreme circumstances, a negative Daily Adjustment could result in a loss beyond the protection of the 10% or
                      30% Buffer, but it cannot result in a total loss of -100%. Any losses as a result of a Daily Adjustment will be greater if the amount withdrawn is also subject to a withdrawal charge, or is a deduction of Contract fees and expenses.
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-left:5pt;padding-right:4pt;padding-top:2.25pt;text-align:left; text-decoration:none;text-transform:none;vertical-align:top;width:16.73%;"> Risk Factors <br>

                      &#8195; <br>

                      Summary of the <br>

                      Index Options <br>

                      &#8195; <br>

                      4. Valuing Your <br>

                      Contract
                    </td>
                </tr>
                <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-left:4pt;padding-right:5pt; padding-top:2.25pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:13.27%;"> Risks <br>

                      Associated <br>

                      with <br>

                      Investment <br>

                      Options
                    </td>
                  <td colspan="3" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:5pt;padding-right:5pt; padding-top:2.25pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:70.0%;"> &#8226; An investment in the Contract is subject to the risk of poor investment performance and can vary depending on the
                      performance of the Variable Options and the Index Options available under the Contract. &#8226; Each Variable Option and Index Option has its own unique risks. &#8226; You should review each Variable Option&#8217;s prospectus and
                      disclosures, including risk factors, for each Index Option before making an investment decision.
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-left:5pt;padding-right:4pt;padding-top:2.25pt;text-align:left; text-decoration:none;text-transform:none;vertical-align:top;width:16.73%;"> Risk Factors
                    </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-bottom:4pt;padding-left:4pt; padding-right:5pt;padding-top:2.25pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:13.27%;"> Insurance <br>

                      Company <br>

                      Risks
                    </td>
                  <td colspan="3" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:4pt;padding-left:5pt; padding-right:5pt;padding-top:2.25pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:70.0%;"> An investment in the Contract is subject to the risks related to us. All obligations, guarantees or
                      benefits of the Contract are the obligations of Allianz Life and are subject to our claims-paying ability and financial strength. More information about Allianz Life, including our financial strength ratings, is available upon request
                      by visiting <font style="color:#0000FF;text-decoration:underline;"> allianzlife.com/new-york/about/why-allianz </font> , or contacting us at (800) 624-0197.
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-bottom:4pt;padding-left:5pt;padding-right:4pt; padding-top:2.25pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:16.73%;"> Risk Factors
                    </td>
                </tr>

            </table>
          </div>
        </div>
        <div type="Block" style="margin-top:221pt;width:100%;">
          <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:0.5pt solid #000000;height:0.5pt;width:100%;">
          <div style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:13pt;margin-bottom:2pt;margin-top:2pt;text-align:center;text-decoration:none;text-transform:none;"> Allianz Index Advantage <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#174; </sup> New York Variable Annuity Prospectus &#8211; April 29, 2022 </div>
        </div>
        <div type="Block" style="margin-top:4pt;width:100%;">
          <div style="color:#000000;font-family:Arial;font-size:9pt;font-style:Normal;font-weight:bold;line-height:12pt;text-align:center;text-decoration:none;text-transform:none;">&#160;11&#160;</div>
        </div>
      </div>
      <div style="clear:both;font-size:12pt;height:0pt;">
      </div>
      <hr style="margin-bottom:0pt;">
      <p style="margin:0pt;page-break-before:always;">&#160;
      </p>
      <div style="width:100%;">
        <a name="xx_8ae04822-ac73-4a48-93fe-8df18cd1e587_3">
        </a>
        <div style="font-family:Arial;font-size:7pt;line-height:10pt;font-weight:Normal;text-transform:none;text-align:left;vertical-align:bottom;padding-bottom:10pt;">
          <a href="#JOB_Index_3271f810-de27-47d4-9b4d-756928a3a1d0_va-toc">
            Table of Contents
          </a>
        </div>
        <div type="Block" style="width:100%;">
          <div style="text-align:center;">
            <table cellspacing="0" cellpadding="0" id="z0bda63c1feef422ebb5d70bb60188f1b" style="border-bottom:0.5pt solid #000000;border-collapse:collapse;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;margin-left:auto;margin-right:auto;margin-top:0pt;width:99.19%;">

                <tr style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-bottom:2.25pt;padding-right:5pt;padding-top:5pt;text-align:left;vertical-align:top;width:13.27%;"> &#160;
                    </td>
                  <td colspan="3" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-bottom:2.25pt;padding-left:5pt; padding-right:5pt;padding-top:5pt;text-align:center;text-decoration:none;text-transform:uppercase;vertical-align:bottom;white-space:nowrap;width:70.0%;"> RESTRICTIONS
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-bottom:2.25pt;padding-left:5pt;padding-right:4pt; padding-top:5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;width:16.73%;"> Prospectus <br>

                      Location
                  </td>
                </tr>
                <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-left:4pt;padding-right:5pt; padding-top:2.25pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:13.27%;"> Investments
                    </td>
                  <td colspan="3" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:5pt;padding-right:5pt; padding-top:2.25pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:70.0%;"> &#8226; Certain Index Options may not be available under your Contract. &#8226; The first 12 transfers between Variable Options
                      every Contract Year are free. After that, we deduct a $25 transfer fee for each additional transfer. Your transfers between the v Options are also subject to policies designed to deter excessively frequent transfers and market timing. &#8226;
                      We only allow assets to move into the Index Options on the Index Effective Date and on subsequent Index Anniversaries. We hold Purchase Payments in the AZL Government Money Market Fund until we transfer them to your selected Index
                      Options according to your Purchase Payment default instructions. On the Index Effective Date we rebalance or reallocate your total Contract Value among all of your selected Allocation Options according to your Purchase Payment default
                      instructions. For additional Purchase Payments we receive <font style="font-style:italic;font-weight:bold;"> after </font> the Index Effective Date, we transfer the amounts held in the AZL Government Money Market Fund to
                      your selected Index Options on the next Index Anniversary. Therefore, additional Purchase Payments we receive after the Index Effective Date that you allocate to an Index Option are not eligible to receive a Performance Credit until
                      the second Index Anniversary after we receive them. &#8226; You can transfer Index Option Value only on an Index Anniversary. &#8226; The Traditional Death Benefit may not be modified, but it will terminate if you take withdrawals
                      that reduce both the Contract Value and Guaranteed Death Benefit Value to zero. Withdrawals may reduce the Traditional Death Benefit&#8217;s Guaranteed Death Benefit Value by more than the value withdrawn and could end the Traditional Death
                      Benefit. &#8226; We reserve the right to close or substitute the Variable Options, and to limit the amount of Purchase Payments that can be held in a Variable Option. We also reserve the right to substitute Indexes.
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-left:5pt;padding-right:4pt;padding-top:2.25pt;text-align:left; text-decoration:none;text-transform:none;vertical-align:top;width:16.73%;"> Summary of the Index Options <br>

                      &#8195; <br>

                      5. Variable Options <br>

                      &#8195; <br>

                      6. Expenses &#8211; Transfer Fee <br>

                      &#8195; <br>

                      Appendix A &#8211; Available Indexes
                    </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-left:4pt;padding-right:5pt; padding-top:2.25pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:13.27%;"> Optional <br>

                      Benefits
                    </td>
                  <td colspan="3" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:5pt;padding-right:5pt; padding-top:2.25pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:70.0%;"> The Contract does not offer any Optional Benefits.
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-left:5pt;padding-right:4pt;padding-top:2.25pt;text-align:left; text-decoration:none;text-transform:none;vertical-align:top;width:16.73%;"> Not Applicable
                    </td>
                </tr>
                <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-bottom:2.25pt;padding-right:5pt;padding-top:2.25pt;text-align:left;vertical-align:top;width:13.27%;"> &#160;
                    </td>
                  <td colspan="3" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-bottom:2.25pt;padding-left:5pt; padding-right:5pt;padding-top:2.25pt;text-align:center;text-decoration:none;text-transform:uppercase;vertical-align:bottom;white-space:nowrap;width:70.0%;"> TAXES
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-bottom:2.25pt;padding-right:4pt;padding-top:2.25pt;text-align:left;vertical-align:top;width:16.73%;"> &#160;
                    </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-left:4pt;padding-right:5pt; padding-top:2.25pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:13.27%;"> Tax <br>

                      Implications
                    </td>
                  <td colspan="3" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:5pt;padding-right:5pt; padding-top:2.25pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:70.0%;"> &#8226; Consult with a tax professional to determine the tax implications of an investment in and withdrawals from or payments
                      received under the Contract. &#8226; If you purchased the Contract through a tax-qualified plan or individual retirement account (IRA), you do not get any additional tax benefit under the Contract. &#8226; Earnings under the Contract
                      may be taxed at ordinary income rates when withdrawn, and you may have to pay a 10% additional federal tax if you take a full or partial withdrawal before age 59 <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#8202;
                        1 </sup> &#8260; <font style="font-size:6pt;line-height:7pt;"> 2 </font> .
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-left:5pt;padding-right:4pt;padding-top:2.25pt;text-align:left; text-decoration:none;text-transform:none;vertical-align:top;width:16.73%;"> 11. Taxes
                    </td>
                </tr>
                <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-bottom:2.25pt;padding-right:5pt;padding-top:2.25pt;text-align:left;vertical-align:top;width:13.27%;"> &#160;
                    </td>
                  <td colspan="3" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-bottom:2.25pt;padding-left:5pt; padding-right:5pt;padding-top:2.25pt;text-align:center;text-decoration:none;text-transform:uppercase;vertical-align:bottom;width:70.0%;"> CONFLICTS OF INTEREST
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-bottom:2.25pt;padding-right:4pt;padding-top:2.25pt;text-align:left;vertical-align:top;width:16.73%;"> &#160;
                    </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-left:4pt;padding-right:5pt; padding-top:2.25pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:13.27%;"> Investment <br>

                      Professional <br>

                      Compensation
                    </td>
                  <td colspan="3" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:5pt;padding-right:5pt; padding-top:2.25pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:70.0%;"> Your Financial Professional may receive compensation for selling this Contract to you, in the form of commissions,
                      additional cash benefits (e.g., cash bonuses), and non-cash compensation. We and/or our wholly owned subsidiary distributor may also make marketing support payments to certain selling firms for marketing services and costs associated
                      with Contract sales. This conflict of interest may influence your Financial Professional to recommend this Contract over another investment for which the Financial Professional is not compensated or compensated less.
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-left:5pt;padding-right:4pt;padding-top:2.25pt;text-align:left; text-decoration:none;text-transform:none;vertical-align:top;width:16.73%;"> 12. Other <br>

                      Information &#8211; <br>

                      Distribution
                    </td>
                </tr>
                <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-bottom:4pt;padding-left:4pt; padding-right:5pt;padding-top:2.25pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:13.27%;"> Exchanges
                    </td>
                  <td colspan="3" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:4pt;padding-left:5pt; padding-right:5pt;padding-top:2.25pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:70.0%;"> Some Financial Professionals may have a financial incentive to offer you a new contract in place of the
                      one you already own. You should only exchange your contract if you determine, after comparing the features, fees, and risks of both contracts, that it is better for you to purchase the new contract rather than continue to own your
                      existing contract.
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-bottom:4pt;padding-left:5pt;padding-right:4pt; padding-top:2.25pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:16.73%;"> 12. Other <br>

                      Information &#8211; <br>

                      Distribution
                    </td>
                </tr>

            </table>
          </div>
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          <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:0.5pt solid #000000;height:0.5pt;width:100%;">
          <div style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:13pt;margin-bottom:2pt;margin-top:2pt;text-align:center;text-decoration:none;text-transform:none;"> Allianz Index Advantage <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#174; </sup> New York Variable Annuity Prospectus &#8211; April 29, 2022 </div>
        </div>
        <div type="Block" style="margin-top:4pt;width:100%;">
          <div style="color:#000000;font-family:Arial;font-size:9pt;font-style:Normal;font-weight:bold;line-height:12pt;text-align:center;text-decoration:none;text-transform:none;">&#160;12&#160;</div>
        </div>
      </div>
      <div style="clear:both;font-size:12pt;height:0pt;">
      </div>
      <hr style="margin-bottom:0pt;">
      <p style="margin:0pt;page-break-before:always;">&#160;
      </p>
      <div style="width:100%;">
        <a name="xx_cc910129-c104-489c-830a-43daa3980ea5_1">
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        <div style="font-family:Arial;font-size:7pt;line-height:10pt;font-weight:Normal;text-transform:none;text-align:left;vertical-align:bottom;padding-bottom:10pt;">
          <a href="#JOB_Index_3271f810-de27-47d4-9b4d-756928a3a1d0_va-toc">
            Table of Contents
          </a>
        </div>
        <div type="Block" style="width:100%;">
          <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:2pt solid #000000;height:2pt;width:100%;">
          <div style="color:#000000;font-family:Arial;font-size:11pt;font-style:Normal;font-weight:Normal;line-height:13pt;margin-top:5pt;text-align:left;text-decoration:none;text-transform:uppercase;"> Overview of the Contract </div>
          <div style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;"> What Is the Purpose of the Contract? </div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;"> The Allianz Index Advantage <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#174; </sup> New York is a product that offers index-linked investment options <font style="font-weight:bold;"> (Index Options) </font> &#160;and variable investment
              options <font style="font-weight:bold;"> (Variable Options) </font> and allows you to defer taking regular fixed periodic payments <font style="font-weight:bold;"> (Annuity Payments) </font> to a future date. Under
              the Contract, you make one or more payments to us <font style="font-weight:bold;"> (Purchase Payments) </font> . Purchase Payments you allocate to the Index Options are first invested for a limited time in the AZL Government Money
              Market Fund and then transferred to the Index Option(s) that you select for investment. Depending on several factors (e.g., Allocation Options you select, market conditions, and timing of any withdrawals), your Contract can gain or lose
              value. When you are ready to receive a guaranteed stream of income under your Contract, you can annuitize your accumulated assets and begin receiving Annuity Payments from us based on the payout option you select <font style="font-weight:bold;"> (Annuity Options) </font> . The Contract includes for no additional charge a standard death benefit (the Traditional Death Benefit) that helps to financially protect your beneficiaries. </div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;"> We designed the Contract for people who are
              looking for a death benefit for a period of time, and a level of protection for your principal investment while providing potentially higher returns than are available on traditional fixed annuities. In addition, you should have a long
              investment time horizon and your financial goals should be otherwise consistent with the terms and conditions of the Contract. This Contract is not intended for someone who is seeking complete protection from downside risk, seeking unlimited
              investment potential, or expecting to take withdrawals that will be subject to withdrawal charges or Daily Adjustments (i.e., a person that does not need access to Contract Value within six years after we receive a Purchase Payment, or before
              an Index Anniversary). </div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;"> We offer other annuity contracts that may
              address your investment and retirement needs. These contracts include variable annuities, registered index-linked annuities and fixed index annuities. These annuity products offer different features and benefits that may be more appropriate
              for your needs, including allocation options, fees and/or expenses that are different from those in the Contract offered by this prospectus. Not every contract is offered through every Financial Professional. Some Financial Professionals or
              selling firms may not offer and/or limit offering of certain features and benefits, as well as limit the availability of the contracts based on criteria established by the Financial Professional or selling firm. For more information about
              other annuity contracts, please contact your Financial Professional. </div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;"> The product or certain product features may
              not currently be available in all states or to all Contracts, or may vary in your state (such as the free look). For more information see Appendix F - Material Contract Variations by Issue Date. Availability of Index Options may vary by
              financial intermediary. You can obtain information on which Index Options are available to you by calling (800) 624-0197, or from your Financial Professional. </div>
          <div style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;"> What Are the Phases of the Contract? </div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;"> The Contract has two phases: (1) an
              Accumulation Phase, and (2) an Annuity Phase. </div>
          <div style="text-align:left;">
            <table cellspacing="0" cellpadding="2" id="z8f72003f4a1a44a6946552c699209739" style="border-collapse:collapse;empty-cells:show;margin-top:2pt;width:100%;">

                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;"> &#8226;
                    </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;line-height:12pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;"> Accumulation Phase. <font style="font-style:Normal;font-weight:Normal;"> This is the first phase of your Contract, and it begins on the Issue Date. During the Accumulation Phase, your money is invested under the
                        Contract on a tax-deferred basis. Tax deferral may not be available for certain non-individually owned contracts. Tax deferral means you are not taxed on any earnings or appreciation on the assets in your Contract until you take
                        money out of your Contract. In addition, during this phase, you can make additional Purchase Payments, you can take withdrawals, and if you die we pay a death benefit to your named Beneficiary(s). </font>
                  </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="line-height:0pt;padding-bottom:0pt;padding-left:0pt;padding-right:2pt;text-align:left;vertical-align:top;width:2.83%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-bottom:0pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;width:97.17%;"> Your Contract Value may fluctuate up or down during the Accumulation Phase based on the performance of your selected Allocation Options.
                    </td>
                </tr>

            </table>
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          <div style="text-align:left;">
            <table cellspacing="0" cellpadding="2" id="zc361af0b0de840a18aedb25653ba14e6" style="border-collapse:collapse;empty-cells:show;margin-left:2.83%;margin-top:2pt;width:97.17%;">

                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.92%;"> &#8211;&#8194;
                    </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.08%;"> Index Options. <font style="font-weight:Normal;"> You may allocate your Purchase Payments to any or all of the Index Options available under your Contract. There are currently 8 Index Options based on different
                        combinations of two credit calculation methods </font> (Crediting Methods) <font style="font-weight:Normal;"> , and four nationally recognized third-party broad based equity securities indexes </font> (Indexes) <font style="font-weight:Normal;"> . Each Index Option is the combination of an Index&#160;and a Crediting Method. </font>
                  </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="line-height:0pt;padding-left:0pt;padding-right:2pt;text-align:left;vertical-align:top;width:2.92%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;line-height:12pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.08%;"> The available Crediting Methods&#160;and Indexes are included on the cover page of this prospectus. Please see &#8220;Summary of the Index Options&#8221; for an overview of how the Index Options work. More detailed information about
                      the Index Options is included in section <font style="font-style:Normal;font-weight:Normal;"> </font> 4, Valuing Your Contract.
                    </td>
                </tr>
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                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-bottom:0pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:2.92%;"> &#8211;&#8194;
                    </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;padding-bottom:0pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;width:97.08%;"> Variable Options. <font style="font-weight:Normal;"> You can allocate your Purchase Payments to any or all of the Variable Options available under your Contract. We only allow assets to move
                        into the Index Options on the Index Effective Date and on subsequent Index Anniversaries. As a result, we hold Purchase Payments you allocate to the Index Options in the AZL Government Money Market Fund until we transfer them to the
                        Index Options in accordance with your instructions. The Variable Options are underlying mutual funds with their own investment objectives, strategies, and risks. </font>
                  </td>
                </tr>

            </table>
          </div>
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          <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:0.5pt solid #000000;height:0.5pt;width:100%;">
          <div style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:13pt;margin-bottom:2pt;margin-top:2pt;text-align:center;text-decoration:none;text-transform:none;"> Allianz Index Advantage <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#174; </sup> New York Variable Annuity Prospectus &#8211; April 29, 2022 </div>
        </div>
        <div type="Block" style="margin-top:4pt;width:100%;">
          <div style="color:#000000;font-family:Arial;font-size:9pt;font-style:Normal;font-weight:bold;line-height:12pt;text-align:center;text-decoration:none;text-transform:none;">&#160;13&#160;</div>
        </div>
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      <div style="clear:both;font-size:12pt;height:0pt;">
      </div>
      <hr style="margin-bottom:0pt;">
      <p style="margin:0pt;page-break-before:always;">&#160;
      </p>
      <div style="width:100%;">
        <a name="xx_cc910129-c104-489c-830a-43daa3980ea5_2">
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          <a href="#JOB_Index_3271f810-de27-47d4-9b4d-756928a3a1d0_va-toc">
            Table of Contents
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        </div>
        <div type="Block" style="width:100%;">
          <div style="text-align:left;">
            <table cellspacing="0" cellpadding="0" id="z07a57057c99742439160e6957d1ff1dd" style="border-collapse:collapse;empty-cells:show;margin-left:2.83%;margin-top:2pt;width:97.17%;">

                <tr style="page-break-inside:avoid;">
                  <td style="line-height:0pt;padding-left:0pt;padding-right:2pt;text-align:left;vertical-align:top;width:2.92%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;line-height:12pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.08%;"> Please see Appendix G for more information about the Variable Options.
                    </td>
                </tr>

            </table>
          </div>
          <div style="text-align:left;">
            <table cellspacing="0" cellpadding="2" id="z63c870f074bc4a7f9f6a49b4cd03c19e" style="border-collapse:collapse;empty-cells:show;margin-top:2pt;width:100%;">

                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;"> &#8226;
                    </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;line-height:12pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;"> Annuity Phase. <font style="font-style:Normal;font-weight:Normal;"> If you request Annuity Payments, the Accumulation Phase ends and the </font><font style="font-style:Normal;"> Annuity Phase </font><font style="font-style:Normal;font-weight:Normal;"> begins. Annuity Payments are fixed payments we make based on the Annuity Option you select and your Contract Value (which reflects any previously deducted Contract fees and
                        expenses)&#160;less final product fee. Annuity Payments can provide a guaranteed lifetime fixed income stream with certain tax advantages. We designed the Annuity Payments for Owners who no longer need immediate access to Contract Value
                        to meet their short-term income needs. </font>
                  </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="line-height:0pt;padding-bottom:0pt;padding-left:0pt;padding-right:2pt;text-align:left;vertical-align:top;width:2.83%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-bottom:0pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;width:97.17%;"> During the Annuity Phase, you will receive a stream of regular income in the form of Annuity Payments. You will be unable to take withdrawals upon demand, the Traditional Death Benefit ends, and no
                      amounts will be payable upon death during the Annuity Phase unless your Annuity Option provides otherwise.
                    </td>
                </tr>

            </table>
          </div>
          <div style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;line-height:12pt;margin-bottom:2pt;margin-top:2pt;text-align:left;text-decoration:none;text-transform:none;"> What Are the Contract&#8217;s Primary
              Features? </div>
          <div style="text-align:left;">
            <table cellspacing="0" cellpadding="2" id="zd85b94486e18455c9fc3aa93fc02db29" style="border-collapse:collapse;empty-cells:show;margin-top:2pt;width:100%;">

                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;"> &#8226;
                    </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;line-height:12pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;"> Accessing Your Money. <font style="font-style:Normal;font-weight:Normal;"> During the Accumulation Phase, you can surrender (take a full withdrawal) the Contract or take partial withdrawals. Withdrawals may be
                        subject to&#160;a withdrawal charge, negative Daily Adjustments, and income taxes, including a 10% additional federal tax if taken before age 59 <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#8202;1 </sup> &#8260; </font><font style="font-size:6pt;font-style:Normal;font-weight:Normal;line-height:8pt;"> 2 </font><font style="font-style:Normal;font-weight:Normal;"> . </font>
                  </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;"> &#8226;
                    </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;line-height:12pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;"> Additional Purchase Payments. <font style="font-style:Normal;font-weight:Normal;"> Subject to the limitations described in this prospectus, we continue to accept additional Purchase Payments under the Contracts
                        during the Accumulation Phase. However, we may terminate your ability to make additional Purchase Payments in the future. We only allow additional Purchase Payments to move into Index Options on Index Anniversaries. As a result, we
                        hold Purchase Payments we receive on days other than an Index Anniversary in the AZL Government Money Market Fund and such Purchase Payments are not available to receive Performance Credits until we transfer them to your selected
                        Index Options. We do not allow assets to move into an established Index Option until the Index Anniversary. </font>
                  </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;"> &#8226;
                    </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;line-height:12pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;"> Death Benefit. <font style="font-style:Normal;font-weight:Normal;"> The Contract&#8217;s death benefit is paid upon the first death of any Determining Life during the Accumulation Phase. The Contract includes for no
                        additional charge a standard death benefit </font><font style="font-style:Normal;"> (the Traditional Death Benefit) </font><font style="font-style:Normal;font-weight:Normal;"> . The death benefit equals the greater of
                        Contract Value, or the Guaranteed Death Benefit Value (which is based on Purchase Payments). </font>
                  </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;"> &#8226;
                    </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;line-height:12pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;"> Withdrawal Charge Waivers. <font style="font-style:Normal;font-weight:Normal;"> Under the free withdrawal privilege, you may withdraw up to 10% of your total Purchase Payments each Contract Year during the
                        Accumulation Phase without incurring a withdrawal charge. Upon a full withdrawal, the free withdrawal privilege is not available to you. We do not apply a withdrawal charge to deductions we make for Contract fees or expenses. The
                        waiver of withdrawal charge benefit allows you to take a withdrawal without incurring a withdrawal charge if you are confined to a nursing home for a period of at least 90 consecutive days. Also, if you own an Individual Retirement
                        Annuity (IRA) or Simplified Employee Pension (SEP) IRA Contract, payments you take under our minimum distribution program (RMD payments) are not subject to a withdrawal charge. </font>
                  </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-bottom:0pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:2.83%;"> &#8226;
                    </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;line-height:12pt;padding-bottom:0pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;width:97.17%;"> Deduction of Financial Adviser Fees. <font style="font-style:Normal;font-weight:Normal;"> If you have a financial adviser and want to pay their financial adviser fees from this Contract, you
                        can instruct us to withdraw the fee from your Contract and pay it to your Financial Professional or Financial Professional&#8217;s firm as instructed. The deduction of financial adviser fees is in addition to this Contract&#8217;s fees and
                        expenses, and the deduction is treated the same as any other withdrawal under the Contract. As such, withdrawals to pay financial adviser fees may be subject to withdrawal charges, will reduce the Contract Value and Guaranteed Death
                        Benefit Value (perhaps significantly), and may be subject to income taxes (including tax penalties if you are younger than age 59 <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#8202;1 </sup> &#8260; </font><font style="font-size:6pt;font-style:Normal;font-weight:Normal;line-height:8pt;"> 2 </font><font style="font-style:Normal;font-weight:Normal;"> ). </font> Please consult with your Financial Professional before requesting us
                      to pay financial adviser fees from this Contract compared to other assets you may have.
                    </td>
                </tr>

            </table>
          </div>
        </div>
        <div type="Block" style="margin-top:185pt;width:100%;">
          <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:0.5pt solid #000000;height:0.5pt;width:100%;">
          <div style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:13pt;margin-bottom:2pt;margin-top:2pt;text-align:center;text-decoration:none;text-transform:none;"> Allianz Index Advantage <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#174; </sup> New York Variable Annuity Prospectus &#8211; April 29, 2022 </div>
        </div>
        <div type="Block" style="margin-top:4pt;width:100%;">
          <div style="color:#000000;font-family:Arial;font-size:9pt;font-style:Normal;font-weight:bold;line-height:12pt;text-align:center;text-decoration:none;text-transform:none;">&#160;14&#160;</div>
        </div>
      </div>
      <div style="clear:both;font-size:12pt;height:0pt;">
      </div>
      <hr style="margin-bottom:0pt;">
      <p style="margin:0pt;page-break-before:always;">&#160;
      </p>
      <div style="width:100%;">
        <a name="xx_f7d8855a-293d-4d8e-a067-19a772794dc6_1">
        </a>
        <div style="font-family:Arial;font-size:7pt;line-height:10pt;font-weight:Normal;text-transform:none;text-align:left;vertical-align:bottom;padding-bottom:10pt;">
          <a href="#JOB_Index_3271f810-de27-47d4-9b4d-756928a3a1d0_va-toc">
            Table of Contents
          </a>
        </div>
        <div type="Block" style="width:100%;">
          <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:2pt solid #000000;height:2pt;width:100%;">
          <div style="color:#000000;font-family:Arial;font-size:11pt;font-style:Normal;font-weight:Normal;line-height:13pt;margin-bottom:2pt;margin-top:2pt;text-align:left;text-decoration:none;text-transform:uppercase;"> Summary of the Index Options </div>
          <div style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;">How Do the Crediting Methods Work?</div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;">The <font style="font-weight:bold;">Index
              Protection NY Strategy</font> provides a Performance Credit based on Index Values and Index Return.</div>
          <div style="text-align:left;">
            <table cellspacing="0" cellpadding="2" id="zc70d87b1846a482e9201831a03fdf047" style="border-collapse:collapse;empty-cells:show;margin-top:2pt;width:100%;">

                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;">&#8226;
                  </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;">If the Index Return is positive, the Performance Credit is equal to the Index Return up to the Cap.
                  </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;">&#8226;
                  </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;">If the current Index Value is equal to the Index Value on the last Index Anniversary, the Performance Credit is zero.
                  </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-bottom:0pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:2.83%;">&#8226;
                  </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-bottom:0pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;width:97.17%;">If the Index Return is negative and the loss is:
                  </td>
                </tr>

            </table>
          </div>
          <div style="text-align:left;">
            <table cellspacing="0" cellpadding="2" id="ze428d00c705e4488b50515be0eb3c1b8" style="border-collapse:collapse;empty-cells:show;margin-left:2.83%;margin-top:3pt;width:97.17%;">

                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.92%;"> &#8211;&#8194;
                    </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.08%;"> less than or equal to the 30% Buffer, the Performance Credit is zero. We absorb any loss up to the 30% Buffer.
                    </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-bottom:0pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:2.92%;"> &#8211;&#8194;
                    </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-bottom:0pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;width:97.08%;"> greater than the 30% Buffer, the negative Performance Credit is equal to the negative Index Return in excess of the 30% Buffer. You participate in any losses beyond the 30% Buffer.
                    </td>
                </tr>

            </table>
          </div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:9pt;text-align:left;text-decoration:none;text-transform:none;">The <font style="font-weight:bold;">Index
              Performance Strategy</font> also provides a Performance Credit based on Index Values and Index Returns.</div>
          <div style="text-align:left;">
            <table cellspacing="0" cellpadding="2" id="zd59ff3d1bae7421f9e2a5ce4edecc787" style="border-collapse:collapse;empty-cells:show;margin-top:3pt;width:100%;">

                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;">&#8226;
                  </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;">If the Index Return is positive, the Performance Credit is equal to the Index Return up to the Cap.
                  </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;">&#8226;
                  </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;">If the current Index Value is equal to the Index Value on the last Index Anniversary, the Performance Credit is zero.
                  </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-bottom:0pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:2.83%;">&#8226;
                  </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-bottom:0pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;width:97.17%;">If the Index Return is negative and the loss is:
                  </td>
                </tr>

            </table>
          </div>
          <div style="text-align:left;">
            <table cellspacing="0" cellpadding="2" id="z01788ae3ab254a9b935ab5f5db787e75" style="border-collapse:collapse;empty-cells:show;margin-left:2.83%;margin-top:2pt;width:97.17%;">

                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.92%;"> &#8211;&#8194;
                    </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.08%;"> less than or equal to the 10% Buffer, the Performance Credit is zero. We absorb any loss up to the 10% Buffer.
                    </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-bottom:0pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:2.92%;"> &#8211;&#8194;
                    </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-bottom:0pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;width:97.08%;"> greater than the 10% Buffer, the negative Performance Credit is equal to the negative Index Return in excess of the 10% Buffer. You participate in any losses beyond the 10% Buffer.
                    </td>
                </tr>

            </table>
          </div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-bottom:2pt;margin-top:2pt;text-align:left;text-decoration:none;text-transform:none;"> A more detailed description
              of how we calculate Credits, including numerical examples, is included in section 4, Valuing Your Contract &#8211; Calculating Credits. </div>
          <div style="text-align:center;">
            <table cellspacing="0" cellpadding="0" id="zd01e2863f7e549cfaf553ae5975c5599" style="border-bottom:0.5pt solid #000000;border-collapse:collapse;border-top:0.5pt solid #000000;empty-cells:show;margin-left:auto;margin-right:auto;margin-top:6pt;width:99.60%;">

                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;color:#000000;font-family:Times New Roman;font-family:Times New Roman;font-size:10pt;font-size:10pt;font-style:Normal;font-style:Normal;font-weight:Normal;font-weight:Normal;line-height:12pt; line-height:12pt;padding-left:4pt;padding-right:4pt;padding-top:4pt;text-align:left;text-decoration:none;text-decoration:none;text-transform:none;text-transform:none;vertical-align:top;width:100%;">&#8226;&#8194; <font style="font-weight:bold;">The
                      Index Protection NY Strategy and Index Performance Strategy allow negative Performance Credits. </font><font style="font-style:italic;font-weight:bold;">A negative Performance Credit means you can lose principal and previous
                      earnings. These losses could be significant.</font>
                  </td>
                </tr>
                <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                  <td style="color:#000000;color:#000000;font-family:Times New Roman;font-family:Times New Roman;font-size:10pt;font-size:10pt;font-style:Normal;font-style:Normal;font-weight:Normal;font-weight:Normal;line-height:12pt; line-height:12pt;padding-bottom:4pt;padding-left:4pt;padding-right:4pt;padding-top:1.25pt;text-align:left;text-decoration:none;text-decoration:none;text-transform:none;text-transform:none;vertical-align:top;width:100%; ">&#8226;&#8194; <font style="font-weight:bold;">Because we calculate Index Returns only on a single date in time, you may experience negative or flat performance even though the Index you selected for a given Crediting Method experienced gains
                      through some, or most, of the Index Year.</font>
                  </td>
                </tr>

            </table>
          </div>
          <div style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;line-height:12pt;margin-top:12pt;text-align:left;text-decoration:none;text-transform:none;">How Do the Crediting Methods Compare?</div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;">The Crediting Methods have different risk and
            return potentials.</div>
          <div style="text-align:center;">
            <table cellspacing="0" cellpadding="0" id="zfd16e0493eeb44c2aee76ec718a1b1ee" style="border-bottom:0.5pt solid #000000;border-collapse:collapse;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;margin-left:auto;margin-right:auto;margin-top:6pt;width:98.99%;">

                <tr style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;line-height:10pt;padding-bottom:1.75pt;padding-right:4pt;padding-top:4pt;text-align:center;vertical-align:bottom;width:10.63%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;padding-bottom:1.75pt;padding-left:4pt; padding-right:4pt;padding-top:4pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:43.35%;"> Index Protection NY Strategy
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;padding-bottom:1.75pt;padding-left:4pt;padding-right:4pt; padding-top:4pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:46.01%;"> Index Performance Strategy
                    </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;padding-left:4pt;padding-right:4pt; padding-top:1.75pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:10.63%;"> What is the asset protection?
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:11pt;padding-right:4pt; padding-top:1.75pt;text-align:left;text-decoration:none;text-indent:-7pt;text-transform:none;vertical-align:top;width:43.35%;"> &#8226;&#8194;Most protection &#8211; has higher Buffers than the Index Performance Strategy. <br>

                      &#8226;&#8194;Buffer absorbs 30% loss, but you receive a negative Performance Credit for losses greater than 30%. <br>

                      &#8226;&#8194;Potential for large losses in any one Index Year. <br>

                      &#8226;&#8194;Impacted by very large negative market movements because small and moderate negative market movements are absorbed by the 30% Buffer.
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:11pt;padding-right:4pt;padding-top:1.75pt; text-align:left;text-decoration:none;text-indent:-7pt;text-transform:none;vertical-align:top;width:46.01%;"> &#8226;&#8194;Less protection &#8211; has lower Buffers than the Index Protection NY Strategy. <br>

                      &#8226;&#8194;Buffer absorbs 10% of loss, but you receive a negative Performance Credit for losses greater than the 10% Buffer. <br>

                      &#8226;&#8194;Potential for large losses in any one Index Year. <br>

                      &#8226;&#8194;More sensitive to large negative market movements because small negative market movements are absorbed by the 10% Buffer. In a period of extreme negative market performance, the risk of loss is greater with the Index Performance
                      Strategy.
                    </td>
                </tr>
                <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt Solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;padding-bottom:4pt;padding-left:4pt; padding-right:4pt;padding-top:1.75pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:10.63%;"> What is the growth opportunity?
                    </td>
                  <td style="border-bottom:0.5pt Solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-bottom:4pt;padding-left:11pt; padding-right:4pt;padding-top:1.75pt;text-align:left;text-decoration:none;text-indent:-7pt;text-transform:none;vertical-align:top;width:43.35%;"> &#8226;&#8194;Less growth opportunity &#8211; generally has lower Caps than the Index Performance
                      Strategy. <br>

                      &#8226;&#8194;Growth opportunity limited by the Caps.
                    </td>
                  <td style="border-bottom:0.5pt Solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-bottom:4pt;padding-left:11pt;padding-right:4pt; padding-top:1.75pt;text-align:left;text-decoration:none;text-indent:-7pt;text-transform:none;vertical-align:top;width:46.01%;"> &#8226;&#8194;Most growth opportunity &#8211; generally has higher Caps than the Index Protection NY Strategy. <br>

                      &#8226;&#8194;Growth opportunity limited by the Caps. <br>

                      &#8226;&#8194;May perform best in a strong market.
                    </td>
                </tr>

            </table>
          </div>
        </div>
        <div type="Block" style="margin-top:70pt;width:100%;">
          <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:0.5pt solid #000000;height:0.5pt;width:100%;">
          <div style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:13pt;margin-bottom:2pt;margin-top:2pt;text-align:center;text-decoration:none;text-transform:none;"> Allianz Index Advantage <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#174; </sup> New York Variable Annuity Prospectus &#8211; April 29, 2022 </div>
        </div>
        <div type="Block" style="margin-top:4pt;width:100%;">
          <div style="color:#000000;font-family:Arial;font-size:9pt;font-style:Normal;font-weight:bold;line-height:12pt;text-align:center;text-decoration:none;text-transform:none;">&#160;15&#160;</div>
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      </div>
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      <p style="margin:0pt;page-break-before:always;">&#160;
      </p>
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        <a name="xx_f7d8855a-293d-4d8e-a067-19a772794dc6_2">
        </a>
        <div style="font-family:Arial;font-size:7pt;line-height:10pt;font-weight:Normal;text-transform:none;text-align:left;vertical-align:bottom;padding-bottom:10pt;">
          <a href="#JOB_Index_3271f810-de27-47d4-9b4d-756928a3a1d0_va-toc">
            Table of Contents
          </a>
        </div>
        <div type="Block" style="width:100%;">
          <div style="text-align:center;">
            <table cellspacing="0" cellpadding="0" id="z22157602b1464f91887b72a50a2694a3" style="border-bottom:0.5pt solid #000000;border-collapse:collapse;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;margin-left:auto;margin-right:auto;margin-top:0pt;width:98.99%;">

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                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;line-height:10pt;padding-bottom:1.75pt;padding-right:4pt;padding-top:4pt;text-align:center;vertical-align:bottom;width:10.63%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;padding-bottom:1.75pt;padding-left:4pt; padding-right:4pt;padding-top:4pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:43.35%;"> Index Protection NY Strategy
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;padding-bottom:1.75pt;padding-left:4pt;padding-right:4pt; padding-top:4pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:46.01%;"> Index Performance Strategy
                    </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;padding-bottom:4pt;padding-left:4pt; padding-right:4pt;padding-top:1.75pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:10.63%;"> What can change within a Crediting Method?
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-bottom:4pt;padding-left:11pt; padding-right:4pt;padding-top:1.75pt;text-align:left;text-decoration:none;text-indent:-7pt;text-transform:none;vertical-align:top;width:43.35%;"> &#8226;&#8194;Renewal Caps for existing Contracts can change annually. <br>

                      &#8226;&#8194;The 30% Buffers for the currently available Index Options cannot change. However, if we add a new Index Option to your Contract after the Issue Date, we establish the Buffer for it on the date we add the Index Option to your
                      Contract. <br>

                      &#8226;&#8194;Caps are subject to a 1.50% minimum.
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-bottom:4pt;padding-left:11pt;padding-right:4pt; padding-top:1.75pt;text-align:left;text-decoration:none;text-indent:-7pt;text-transform:none;vertical-align:top;width:46.01%;"> &#8226;&#8194;Renewal Caps for existing Contracts can change annually. <br>

                      &#8226;&#8194;The 10% Buffers for the currently available Index Options cannot change. However, if we add a new Index Option to your Contract after the Issue Date, we establish the Buffer for it on the date we add the Index Option to your
                      Contract. <br>

                      &#8226;&#8194;Caps are subject to a 1.50% minimum.
                    </td>
                </tr>

            </table>
          </div>
          <div style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:1.42%;text-align:left;text-decoration:none;text-transform:none;">&#160;&#160;&#160;&#160;</div>
          <div style="text-align:center;">
            <table cellspacing="0" cellpadding="0" id="z605ae0dacb3e4f5aa1ec217ddd5ec60f" style="border-bottom:0.5pt solid #000000;border-collapse:collapse;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;empty-cells:show;margin-left:auto;margin-right:auto;margin-top:0pt;width:98.99%;">

                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;color:#000000;font-family:Arial Narrow;font-family:Arial Narrow;font-size:10pt;font-size:10pt;font-style:Normal;font-style:Normal;font-weight:Normal;font-weight:Normal;line-height:12pt; line-height:12pt;padding-bottom:4pt;padding-left:11.0pt;padding-right:4pt;padding-top:4pt;text-align:left;text-decoration:none;text-decoration:none;text-indent:-7pt;text-transform:none;text-transform:none; vertical-align:top;width:100%;"> &#8226;&#8194; <font style="font-weight:bold;"> You participate in any negative Index Return in excess of the Buffer </font> , which reduces your Contract Value. For example, for a 10% Buffer we absorb
                      the first -10% of Index Return and you could lose up to 90% of the Index Option Value. <br>

                      &#8226;&#8194;Caps as set by us from time-to-time may vary substantially based on market conditions. <font style="font-style:italic;font-weight:bold;"> However, in extreme market environments, it is possible that all Caps will be equal and
                        reduced to the minimum of 1.50% </font> . <br>

                      &#8226;&#8194; <font style="font-style:italic;font-weight:bold;"> Caps can be different from Index Option to Index Option </font> . For example, Caps for the Index Performance Strategy can be different between the S&amp;P 500 <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#174; </sup> Index and the Nasdaq-100 <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#174; </sup> Index, and Caps for the S&amp;P 500 <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#174; </sup> Index can be different between the Index Protection NY Strategy and Index Performance Strategy. <font style="font-style:italic;font-weight:bold;"> They
                        may also be different from Contract-to-Contract depending on Index Effective Date </font> .
                    </td>
                </tr>

            </table>
          </div>
          <div style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;line-height:12pt;margin-top:12pt;text-align:left;text-decoration:none;text-transform:none;">Bar Chart Examples of the Crediting Methods
            Performance</div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-bottom:2pt;margin-top:2pt;text-align:left;text-decoration:none;text-transform:none;"> The following hypothetical
              examples show conceptually how the Crediting Methods might work in different market environments and assume no change in the hypothetical Caps. All values below are for illustrative purposes only. The examples do not reflect any Caps that may
              actually apply to a Contract. The examples do not predict or project the actual performance of the Allianz Index Advantage <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#174; </sup> New York. Although an Index or
              Indexes will affect your Index Option Values, the Index Options do not directly participate in any stock or equity investment and are not a direct investment in an Index. The Index Values do not include the dividends paid on the stocks
              comprising an Index. An allocation to an Index Option is not a purchase of shares of any stock or index fund. These examples do not reflect any withdrawals taken before the Index Anniversary (including any financial adviser fees that you
              choose to have us pay from this Contract), or deductions we make for Contract fees and expenses. Historical Index Option performance information is also included in Appendix D. </div>
        </div>
        <div type="Block" style="margin-top:316pt;width:100%;">
          <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:0.5pt solid #000000;height:0.5pt;width:100%;">
          <div style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:13pt;margin-bottom:2pt;margin-top:2pt;text-align:center;text-decoration:none;text-transform:none;"> Allianz Index Advantage <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#174; </sup> New York Variable Annuity Prospectus &#8211; April 29, 2022 </div>
        </div>
        <div type="Block" style="margin-top:4pt;width:100%;">
          <div style="color:#000000;font-family:Arial;font-size:9pt;font-style:Normal;font-weight:bold;line-height:12pt;text-align:center;text-decoration:none;text-transform:none;">&#160;16&#160;</div>
        </div>
      </div>
      <div style="clear:both;font-size:12pt;height:0pt;">
      </div>
      <hr style="margin-bottom:0pt;">
      <p style="margin:0pt;page-break-before:always;">&#160;
      </p>
      <div style="width:100%;">
        <a name="xx_f7d8855a-293d-4d8e-a067-19a772794dc6_3">
        </a>
        <div style="font-family:Arial;font-size:7pt;line-height:10pt;font-weight:Normal;text-transform:none;text-align:left;vertical-align:bottom;padding-bottom:10pt;">
          <a href="#JOB_Index_3271f810-de27-47d4-9b4d-756928a3a1d0_va-toc">
            Table of Contents
          </a>
        </div>
        <div type="Block" style="width:100%;">
          <div style="margin-top:0pt;text-align:Left;width:488pt;">
            <img alt=" " src="imgbcd0c41c1.jpg">
          </div>
          <div style="margin-top:12pt;text-align:Left;width:484pt;">
            <img alt=" " src="imgdcc06d082.jpg">
          </div>
        </div>
        <div type="Block" style="margin-top:61pt;width:100%;">
          <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:0.5pt solid #000000;height:0.5pt;width:100%;">
          <div style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:13pt;margin-bottom:2pt;margin-top:2pt;text-align:center;text-decoration:none;text-transform:none;"> Allianz Index Advantage <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#174; </sup> New York Variable Annuity Prospectus &#8211; April 29, 2022 </div>
        </div>
        <div type="Block" style="margin-top:4pt;width:100%;">
          <div style="color:#000000;font-family:Arial;font-size:9pt;font-style:Normal;font-weight:bold;line-height:12pt;text-align:center;text-decoration:none;text-transform:none;">&#160;17&#160;</div>
        </div>
      </div>
      <div style="clear:both;font-size:12pt;height:0pt;">
      </div>
      <hr style="margin-bottom:0pt;">
      <p style="margin:0pt;page-break-before:always;">&#160;
      </p>
      <div style="width:100%;">
        <a name="xx_f7d8855a-293d-4d8e-a067-19a772794dc6_4">
        </a>
        <div style="font-family:Arial;font-size:7pt;line-height:10pt;font-weight:Normal;text-transform:none;text-align:left;vertical-align:bottom;padding-bottom:10pt;">
          <a href="#JOB_Index_3271f810-de27-47d4-9b4d-756928a3a1d0_va-toc">
            Table of Contents
          </a>
        </div>
        <div type="Block" style="width:100%;">
          <div style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;">Can the Crediting Methods or Indexes Change?</div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-bottom:2pt;margin-top:2pt;text-align:left;text-decoration:none;text-transform:none;"> We can add new Crediting
              Methods and Indexes to your Contract in the future, and you can allocate Purchase Payments or transfer Contract Value to them on the next Index Anniversary after we make them available to you. Once we add a Crediting Method to your Contract
              we cannot remove it, or change how it calculates Performance Credits. If we add a new Index Option to your Contract, we cannot change its Buffer after it is established. However, we can change the renewal Caps associated with any Index Option
              on each Index Anniversary. </div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;">Once we add an Index to your Contract, we cannot
            remove it without simultaneously replacing or substituting it. Index replacements and substitutions can occur either on an Index Anniversary or during an Index Year. If we substitute an Index during an Index Year, we will combine the return of
            the previously available substituted Index with the return of the new Index. However, if we substitute an Index, we do <font style="font-weight:bold;text-decoration:underline;">not</font> change the Buffers applicable to your Contract, or the
            current Caps that we set on the prior Index Anniversary. Changes to the Caps for the new substituted Index, if any, may occur at the next regularly scheduled Index Anniversary or later Index Anniversaries. For more information, see Risk Factors
            &#8211; Substitution of an Index.</div>
          <div style="text-align:center;">
            <table cellspacing="0" cellpadding="0" id="z7175a2d5749840bba15b415c4831e38b" style="border-bottom:0.5pt solid #000000;border-collapse:collapse;border-top:0.5pt solid #000000;empty-cells:show;margin-left:auto;margin-right:auto;margin-top:6pt;width:99.60%;">

                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-bottom:4pt;padding-left:4pt;padding-right:4pt;padding-top:4pt;text-align:left; text-decoration:none;text-transform:none;vertical-align:top;width:100%;"> Historical information on the Caps is provided in Appendix C. <font style="font-style:italic;font-weight:bold;"> This information is for historical
                        purposes only and is not a representation as to future Caps. </font>
                  </td>
                </tr>

            </table>
          </div>
          <div style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;line-height:12pt;margin-top:12pt;text-align:left;text-decoration:none;text-transform:none;">When Does Allianz Establish the Values Used to
            Determine Index Credits?</div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-bottom:2pt;margin-top:2pt;text-align:left;text-decoration:none;text-transform:none;"> The 10% and 30% Buffers for
              the currently available Index Options do not change. However, if we add a new Index Option to your Contract after the Issue Date, we establish the Buffer for it on the date we add the Index Option to your Contract. </div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;"> We establish the initial Caps for a newly
              issued Contract on the Index Effective Date and they cannot change until the next Index Anniversary. You select the Index Effective Date when you purchase your Contract. It can be any Business Day from the Issue Date up to and including the
              first Quarterly Contract Anniversary, but it cannot be the 29th, 30th or 31st of a month. <font style="font-weight:bold;"> You should be aware that, generally, Caps could change every seven calendar days. However, these rates are
                guaranteed to be available during the period stated on our website at </font><font style="color:#0000FF;font-weight:bold;text-decoration:underline;"> allianzlife.com/indexratesny </font><font style="font-weight:bold;"> and
                cannot be superseded until that period ends. Therefore, if you select an Index Effective Date that is after the date the rate is guaranteed to be available, you are subject to the risk that initial Caps may change and be less advantageous
                to you. Furthermore, if the Index Effective Date is after the free look period, you will be subject to the withdrawal charge, and final product fee and contract maintenance charge if you then elect to cancel the Contract after the free look
                period. You may review future rates at least seven calendar days before their effectiveness at </font><font style="color:#0000FF;font-weight:bold;text-decoration:underline;"> allianzlife.com/indexratesny </font><font style="font-weight:bold;"> . You (or your Financial Professional, if authorized) can change your Index Effective Date at any time before it occurs to be an earlier or later date by submitting a request. </font></div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;"> We can change the renewal Caps for an existing
              Contract on each Index Anniversary, in our discretion. Your initial and renewal Caps are stated in your <font style="font-weight:bold;"> Index Options Statement </font> , which is the account statement we mail to you on the Index
              Effective Date and each Index Anniversary. The Index Options Statement also includes the Index Values on the Index Effective Date and each subsequent Index Anniversary. We use these Index Values to determine Index Returns and Performance
              Credits. </div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;"> For information on the initial Caps we
              currently offer for newly issued Contracts, see our website at <font style="color:#0000FF;text-decoration:underline;"> allianzlife.com/indexratesny </font> , or call (800) 624-0197. <font style="font-weight:bold;"> We
                publish any changes to these values at least seven calendar days before the Index Effective Date that they take effect. If you select the earliest Index Effective Date or an Index Effective Date that is within the guaranteed period
                applicable to the initial rates in effect on the Issue Date, the initial rates available for review on your Issue Date will be the rates on your Index Effective Date. However, if you choose to defer your Index Effective Date your initial
                rates may change from the values that were available on your Issue Date. You are responsible for reviewing the initial rates before your Index Effective Date to ensure your allocations and the product still meet your needs. </font></div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;"> We will send you a letter at least 30 days
              before each Index Anniversary. This letter advises you that current Caps are expiring, and that <font style="font-weight:bold;"> renewal rates for the next Index Anniversary will be available for your review in your account on our
                website at least seven calendar days before they take effect on the upcoming Index Anniversary </font> . Renewal rates are also available on our website at <font style="color:#0000FF;text-decoration:underline;"> allianzlife.com/indexratesny </font> ,
              or call (800) 624-0197. The Index Anniversary letter also reminds you of your opportunity to transfer Variable Account Value to the Index Options, or reallocate your Index Option Values on the upcoming Index Anniversary. </div>
        </div>
        <div type="Block" style="margin-top:13pt;width:100%;">
          <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:0.5pt solid #000000;height:0.5pt;width:100%;">
          <div style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:13pt;margin-bottom:2pt;margin-top:2pt;text-align:center;text-decoration:none;text-transform:none;"> Allianz Index Advantage <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#174; </sup> New York Variable Annuity Prospectus &#8211; April 29, 2022 </div>
        </div>
        <div type="Block" style="margin-top:4pt;width:100%;">
          <div style="color:#000000;font-family:Arial;font-size:9pt;font-style:Normal;font-weight:bold;line-height:12pt;text-align:center;text-decoration:none;text-transform:none;">&#160;18&#160;</div>
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      <div style="clear:both;font-size:12pt;height:0pt;">
      </div>
      <hr style="margin-bottom:0pt;">
      <p style="margin:0pt;page-break-before:always;">&#160;
      </p>
      <div style="width:100%;">
        <a name="xx_f7d8855a-293d-4d8e-a067-19a772794dc6_5">
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          <a href="#JOB_Index_3271f810-de27-47d4-9b4d-756928a3a1d0_va-toc">
            Table of Contents
          </a>
        </div>
        <div type="Block" style="width:100%;">
          <div style="text-align:center;">
            <table cellspacing="0" cellpadding="0" id="z0dbcec2ee0df4053a3a7277ab89ab3fd" style="border-bottom:0.5pt solid #000000;border-collapse:collapse;border-top:0.5pt solid #000000;empty-cells:show;margin-left:auto;margin-right:auto;margin-top:6pt;width:99.60%;">

                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;color:#000000;font-family:Arial;font-family:Times New Roman;font-size:9pt;font-size:10pt;font-style:Normal;font-style:Normal;font-weight:bold;font-weight:Normal;line-height:11pt;line-height:12pt; padding-left:4pt;padding-right:4pt;padding-top:4pt;text-align:left;text-decoration:none;text-decoration:none;text-transform:none;text-transform:none;vertical-align:top;width:100%;"> &#8226;&#8194; If your Contract is within its free look period
                      you may be able to take advantage of any increase in initial Caps by cancelling your Contract and purchasing a new Contract.
                    </td>
                </tr>
                <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                  <td style="color:#000000;color:#000000;font-family:Times New Roman;font-family:Times New Roman;font-size:10pt;font-size:10pt;font-style:Normal;font-style:Normal;font-weight:Normal;font-weight:Normal;line-height:12pt; line-height:12pt;padding-left:4pt;padding-right:4pt;padding-top:1.25pt;text-align:left;text-decoration:none;text-decoration:none;text-transform:none;text-transform:none;vertical-align:top;width:100%;"> &#8226;&#8194; If the initial Caps available
                      on the Index Effective Date are not acceptable you can:
                    </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:18pt;padding-right:4pt;padding-top:1.25pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:100%;"> &#8211;&#8194; cancel your Contract if you are still within the free look period,
                    </td>
                </tr>
                <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:18pt;padding-right:4pt;padding-top:1.25pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:100%;"> &#8211;&#8194; request to extend your Index Effective Date if you have not reached your first Quarterly Contract Anniversary,
                    </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:18pt;padding-right:4pt;padding-top:1.25pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:100%;"> &#8211;&#8194; on or before the Index Effective Date, cancel the Contract and request a full withdrawal of the money held in the AZL Government Money Market Fund and receive the Contract Value
                      less withdrawal charge, and final product fee and contract maintenance charge; on or before&#160;the Index Effective Date you are&#160; <font style="font-weight:bold;text-decoration:underline;"> not </font> &#160;subject to the Daily
                      Adjustment,&#160; <font style="font-style:italic;font-weight:bold;"> but you are subject to a withdrawal charge </font> , or
                    </td>
                </tr>
                <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:18pt;padding-right:4pt;padding-top:1.25pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:100%;"> &#8211;&#8194; after the Index Effective Date, cancel the Contract and request a full withdrawal of the Contract Value less withdrawal charge, and final product fee and contract maintenance
                      charge; <font style="font-style:italic;font-weight:bold;"> after the Index Effective Date, you will be subject to a withdrawal charge and the Daily Adjustment </font> .
                    </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;color:#000000;font-family:Times New Roman;font-family:Times New Roman;font-size:10pt;font-size:10pt;font-style:Normal;font-style:Normal;font-weight:Normal;font-weight:Normal;line-height:12pt; line-height:12pt;padding-left:4pt;padding-right:4pt;padding-top:1.25pt;text-align:left;text-decoration:none;text-decoration:none;text-transform:none;text-transform:none;vertical-align:top;width:100%;"> &#8226;&#8194; Caps may be different between
                      newly issued and existing Contracts, and between existing Contracts issued on the same month and day in different years. For example, assume that on January 3, 2017 we set Caps for the Index Performance Strategy 1-year Term with the
                      S&amp;P 500 <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#174; </sup> Index as follows:
                    </td>
                </tr>
                <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:18pt;padding-right:4pt;padding-top:1.25pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:100%;"> &#8211;&#8194; 13% initial rate for new Contracts issued in 2017,
                    </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:18pt;padding-right:4pt;padding-top:1.25pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:100%;"> &#8211;&#8194; 14% renewal rate for existing Contracts issued in 2016, and
                    </td>
                </tr>
                <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-bottom:4pt;padding-left:18pt;padding-right:4pt;padding-top:1.25pt;text-align:left; text-decoration:none;text-transform:none;vertical-align:top;width:100%;"> &#8211;&#8194; 12% renewal rate for existing Contracts issued in 2015.
                    </td>
                </tr>

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          <div style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;line-height:12pt;margin-top:12pt;text-align:left;text-decoration:none;text-transform:none;">What Are the Different Values Within the Contract?</div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-bottom:2pt;margin-top:2pt;text-align:left;text-decoration:none;text-transform:none;"> The Contract provides the
              following values as discussed in section 4, Valuing Your Contract. </div>
          <div style="text-align:left;">
            <table cellspacing="0" cellpadding="0" id="z3a8de73e81074d999e99c0014013fdcb" style="border-collapse:collapse;empty-cells:show;margin-top:2pt;width:100%;">

                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;"> &#8226;
                    </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;"> The Contract Value is the sum of your Variable Account Value and Index Option Values. Contract Value reflects any previously deducted Contract fees and expenses, but does not reflect Contract fees and expenses that we
                      would apply on liquidation.
                    </td>
                </tr>

            </table>
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          <div style="text-align:left;">
            <table cellspacing="0" cellpadding="0" id="z0251c437a6014cb9bffec752b7725906" style="border-collapse:collapse;empty-cells:show;margin-top:2pt;width:100%;">

                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;"> &#8226;
                    </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;"> Your Variable Account Value is the sum of the values in your selected Variable Options. It reflects deduction of Variable Option operating expenses, any previously assessed transfer fee, contract maintenance charge,
                      product fee, and any&#160;withdrawal charge. It changes each Business Day based on the performance of the Variable Options.
                    </td>
                </tr>

            </table>
          </div>
          <div style="text-align:left;">
            <table cellspacing="0" cellpadding="0" id="z2111191ff7804a7c9d791b48a0348ed5" style="border-collapse:collapse;empty-cells:show;margin-top:2pt;width:100%;">

                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;"> &#8226;
                    </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;"> Your total Index Option Value is the sum of the values in each of your selected Index Options. Each Index Option Value includes any Performance Credits from previous Index Anniversaries, reduced proportionately for
                      previous partial withdrawals you took and any financial adviser fees that you choose to have us pay from this Contract (including any withdrawal charges), and previous deductions we made for Contract fees and expenses. Amounts removed
                      from the Index Options during the Index Year for withdrawals you take and deductions we make for fees and expenses <font style="font-weight:bold;text-decoration:underline;"> do not </font> receive a Performance Credit on
                      the next Index Anniversary, but the amount remaining does receive a Performance Credit subject to the applicable Cap or Buffer.
                    </td>
                </tr>

            </table>
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          <div style="text-align:left;">
            <table cellspacing="0" cellpadding="0" id="zc180bd18627d46d3a039baa1ec1e307f" style="border-collapse:collapse;empty-cells:show;margin-left:2.83%;margin-top:2pt;width:97.17%;">

                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.92%;"> &#8211;&#8194;
                    </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.08%;"> On each Business Day during the Index Year other than the Index Effective Date or an Index Anniversary, we calculate the current Index Option Value by adding a Daily Adjustment to the Index Option Base. The <font style="font-weight:bold;"> Index Option Base </font> is the amount you allocate to an Index Option. We reduce the Index Option Base proportionately for withdrawals you take and any financial adviser fees that you choose to
                      have us pay from this Contract (including any withdrawal charges), and deductions we make for Contract fees and expenses; we increase/decrease it by the dollar amount of additional Purchase Payments allocated to, transfers into or out
                      of the Index Option; and any Performance Credit.
                    </td>
                </tr>

            </table>
          </div>
          <div style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;line-height:12pt;margin-top:12pt;text-align:left;text-decoration:none;text-transform:none;">What Is the Daily Adjustment?</div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-bottom:2pt;margin-top:2pt;text-align:left;text-decoration:none;text-transform:none;"> The Daily Adjustment is how
              we calculate Index Option Values on Business Days other than the Index Effective Date or an Index Anniversary for each Index Option. <font style="font-style:italic;font-weight:bold;"> The Variable Options are not subject to the Daily
                Adjustment. </font></div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;">The Daily Adjustment can affect the amounts
            available for withdrawal, annuitization, payment of the death benefit, and the Contract Value used to determine the Charge Base and contract maintenance charge. The Daily Adjustment can be positive or negative. When the Daily Adjustment is
            positive, your Index Option Value has increased since the beginning of the year. When it is negative, your Index Option Value has decreased (excluding the effect of the deduction of Contract expenses or any partial withdrawal).</div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-bottom:2pt;margin-top:2pt;text-align:left;text-decoration:none;text-transform:none;"> We calculate the Daily
              Adjustment for a given Business Day before we deduct any Contract fees or expenses or process any partial withdrawal on that Business Day, including Penalty-Free Withdrawals, and any financial adviser fees that you </div>
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          <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:0.5pt solid #000000;height:0.5pt;width:100%;">
          <div style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:13pt;margin-bottom:2pt;margin-top:2pt;text-align:center;text-decoration:none;text-transform:none;"> Allianz Index Advantage <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#174; </sup> New York Variable Annuity Prospectus &#8211; April 29, 2022 </div>
        </div>
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          <div style="color:#000000;font-family:Arial;font-size:9pt;font-style:Normal;font-weight:bold;line-height:12pt;text-align:center;text-decoration:none;text-transform:none;">&#160;19&#160;</div>
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      </div>
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      <p style="margin:0pt;page-break-before:always;">&#160;
      </p>
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        <a name="xx_f7d8855a-293d-4d8e-a067-19a772794dc6_6">
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          <a href="#JOB_Index_3271f810-de27-47d4-9b4d-756928a3a1d0_va-toc">
            Table of Contents
          </a>
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          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;text-align:left;text-decoration:none;text-transform:none;"> choose to have us pay from this Contract. However, the Daily
              Adjustment calculation is not affected by any Contract expense deduction or partial withdrawal. The Daily Adjustment does not change the Contract fee or expense deducted or the withdrawal amount; it only changes the Index Option Value from
              which we deduct the Contract fee or expense or withdrawal. </div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;">The Daily Adjustment approximates the Index
            Option Value that will be available on the next Index Anniversary. It is the estimated present value of the future Performance Credit that we will apply on the next Index Anniversary. The Daily Adjustment takes into account:</div>
          <div style="text-align:left;">
            <table cellspacing="0" cellpadding="0" id="zf1d17ca3424f4bbfaff258a607f25ef4" style="border-collapse:collapse;empty-cells:show;margin-left:2.02%;margin-top:2pt;width:97.98%;">

                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:4.13%;">(i)
                  </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:95.87%;">any Index gains during the Index Year subject to the Cap,
                  </td>
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            </table>
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            <table cellspacing="0" cellpadding="0" id="z57fd19e41cda436f9ef198b7ed4278a2" style="border-collapse:collapse;empty-cells:show;margin-left:2.02%;margin-top:2pt;width:97.98%;">

                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:4.13%;"> (ii)
                    </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:95.87%;"> any Index losses greater than the 10% or 30% Buffer, and
                    </td>
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            </table>
          </div>
          <div style="text-align:left;">
            <table cellspacing="0" cellpadding="0" id="z12b78a24d6f644b4b53a57dce2d733e0" style="border-collapse:collapse;empty-cells:show;margin-left:2.02%;margin-top:2pt;width:97.98%;">

                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:4.13%;">(iii)
                  </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:95.87%;">the number of days until the next Index Anniversary.
                  </td>
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            </table>
          </div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;"> The Daily Adjustment does this by using the
              hypothetical value of a Proxy Investment <font style="font-weight:bold;"> (Proxy Value) </font> each Business Day, other than the Index Effective Date or an Index Anniversary, based on the formulas described in Appendix B. The <font style="font-weight:bold;"> Proxy Investment </font> provides a current estimated present value of what the Performance Credit will be on the next Index Anniversary taking into account the applicable Buffer and Cap. The Daily
              Adjustment is not the actual Index return on the day of the calculation, and the estimated present value Performance Credit is not guaranteed. Therefore, the Daily Adjustment could result in a loss beyond the protection of the Buffer. <font style="font-weight:bold;"> In extreme circumstances the Daily Adjustment could result in a loss beyond the protection of the 10% or 30% Buffer, but it cannot result in a total loss of -100%. </font><font style="font-style:italic;font-weight:bold;"> Such losses will be greater if the amount withdrawn (including any financial adviser fees that you choose to have us pay from this
                Contract) is also subject to a withdrawal charge, or is a deduction of Contract fees and expenses. </font></div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;"> A withdrawal taken during the Index Year may
              not receive the full benefit of the Buffer because the Daily Adjustment takes into account what may potentially happen between the withdrawal date and the next Index Anniversary. All other factors being equal, even if the current Index return
              during the Index Year is greater than the Cap, the Daily Adjustment will usually be lower than the Cap. This is because there is a possibility that the Index return could decrease before the end of the Index Year. Similarly, even though a
              negative Index return may be within the 10% or 30% Buffer, you still may receive a negative Daily Adjustment because there is a possibility that the Index Return could decrease before the end of the Index Year. <font style="font-style:italic;font-weight:bold;"> A negative Daily Adjustment may cause you to realize loss of principal and previous earnings. </font></div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;"> The Daily Adjustment&#8217;s risks are discussed in
              more detail in Risk Factors &#8211; Risk of Negative Returns. The specific details of the Daily Adjustment formula are described in Appendix B and in Exhibit 99(a) of the Form S-1 Registration Statement filed with the SEC, of which this prospectus
              is a part. This information is incorporated by reference into this prospectus. You can obtain a copy of Exhibit 99(a) by calling (800) 624-0197, or visiting our website at <font style="color:#0000FF;text-decoration:underline;"> allianzlife.com/new-york </font> . </div>
          <div style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;"> What Is the Performance Lock? </div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;"> You can capture the current Index Option Value
              (which includes the Daily Adjustment) on any Business Day during an Index Year through our Performance Lock feature. You (or your Financial Professional, if authorized) can request Performance Locks based on the Daily Adjustment. On our
              website the Daily Adjustment is included in the Index Option Value return figures. The Business Day that we execute a Performance Lock is the <font style="font-weight:bold;"> Lock Date </font> for that Index Option. </div>
          <div style="text-align:center;">
            <table cellspacing="0" cellpadding="0" id="z504f466f9d0847c0ae187907336e9990" style="border-bottom:0.5pt solid #000000;border-collapse:collapse;border-top:0.5pt solid #000000;empty-cells:show;margin-left:auto;margin-right:auto;margin-top:6pt;width:99.60%;">

                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;line-height:12pt;padding-bottom:4pt;padding-left:4pt;padding-right:4pt;padding-top:4pt;text-align:left; text-decoration:none;text-transform:none;vertical-align:top;width:100%;">We will not provide advice or notify you regarding whether you should exercise a Performance Lock or the optimal time for doing so. We will not warn you if you
                    exercise a Performance Lock at a sub-optimal time. We are not responsible for any losses related to your decision whether or not to exercise a Performance Lock.
                  </td>
                </tr>

            </table>
          </div>
          <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:2pt solid #000000;height:2pt;width:100%;">
          <div style="color:#000000;font-family:Arial;font-size:11pt;font-style:Normal;font-weight:Normal;line-height:13pt;margin-top:5pt;text-align:left;text-decoration:none;text-transform:uppercase;">Fee Tables</div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;margin-bottom:2pt;margin-top:2pt;text-align:left;text-decoration:none;text-transform:none;"> The following tables describe
              the fees and expenses that you will pay when buying, owning, and surrendering or making withdrawals from the Contract. Please refer to your Contract specifications page for information about the specific fees you will pay each year. These
              tables do not reflect any financial adviser fees that you pay from your other assets, or that you choose to have us pay from this Contract. If financial adviser fees were reflected, fees and expenses would be higher. </div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;"> The first table describes the fees and expenses
              that you will pay at the time that you buy the Contract, surrender or make withdrawals from the Contract, or transfer Contract Value between investment options. State premium taxes may also be deducted. </div>
        </div>
        <div type="Block" style="margin-top:8pt;width:100%;">
          <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:0.5pt solid #000000;height:0.5pt;width:100%;">
          <div style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:13pt;margin-bottom:2pt;margin-top:2pt;text-align:center;text-decoration:none;text-transform:none;"> Allianz Index Advantage <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#174; </sup> New York Variable Annuity Prospectus &#8211; April 29, 2022 </div>
        </div>
        <div type="Block" style="margin-top:4pt;width:100%;">
          <div style="color:#000000;font-family:Arial;font-size:9pt;font-style:Normal;font-weight:bold;line-height:12pt;text-align:center;text-decoration:none;text-transform:none;">&#160;20&#160;</div>
        </div>
      </div>
      <div style="clear:both;font-size:12pt;height:0pt;">
      </div>
      <hr style="margin-bottom:0pt;">
      <p style="margin:0pt;page-break-before:always;">&#160;
      </p>
      <div style="width:100%;">
        <a name="xx_f7d8855a-293d-4d8e-a067-19a772794dc6_7">
        </a>
        <div style="font-family:Arial;font-size:7pt;line-height:10pt;font-weight:Normal;text-transform:none;text-align:left;vertical-align:bottom;padding-bottom:10pt;">
          <a href="#JOB_Index_3271f810-de27-47d4-9b4d-756928a3a1d0_va-toc">
            Table of Contents
          </a>
        </div>
        <div type="Block" style="width:100%;">
          <div style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;text-align:left;text-decoration:none;text-transform:uppercase;">Transaction Expenses</div>
          <div style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;">Withdrawal Charge During Your Contract&#8217;s First Phase,
            the Accumulation Phase<sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;">(1)</sup><br>
            <font style="font-weight:Normal;">(as a percentage of each Purchase Payment withdrawn)<sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;">(2)</sup></font></div>
          <div style="text-align:center;">
            <table cellspacing="0" cellpadding="0" id="zb72aa06b7eb64633983694fda8871df7" style="border-collapse:collapse;empty-cells:show;margin-left:auto;margin-right:auto;margin-top:6pt;width:46.66%;">

                <tr style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;padding-bottom:3pt;padding-left:0pt;padding-right:6pt;text-align:center; text-decoration:none;text-transform:none;vertical-align:bottom;width:46.21%;">Number of Complete Years<br>
                    Since Purchase Payment
                  </td>
                  <td style="line-height:0pt;padding-bottom:3pt;padding-right:6pt;text-align:center;vertical-align:top;width:2.00%;">&#160;
                  </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;padding-bottom:3pt;padding-left:6pt;text-align:center; text-decoration:none;text-transform:none;vertical-align:bottom;width:51.79%;">Withdrawal Charge Amount
                  </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:0pt;padding-right:6pt;padding-top:1.88pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:46.21%;">0
                  </td>
                  <td style="line-height:0pt;padding-right:6pt;padding-top:1.88pt;text-align:center;vertical-align:top;width:2.00%;">&#160;
                  </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:6pt;padding-top:1.88pt;text-align:center;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:51.79%;">8.5%
                  </td>
                </tr>
                <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:0pt;padding-right:6pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:46.21%;">1
                  </td>
                  <td style="line-height:0pt;padding-right:6pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.00%;">&#160;
                  </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:12.84pt;padding-top:1pt;text-align:center;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:51.79%;">8%
                  </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:0pt;padding-right:6pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:46.21%;">2
                  </td>
                  <td style="line-height:0pt;padding-right:6pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.00%;">&#160;
                  </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:6pt;padding-top:1pt;text-align:center;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:51.79%;">6.5%
                  </td>
                </tr>
                <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:0pt;padding-right:6pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:46.21%;">3
                  </td>
                  <td style="line-height:0pt;padding-right:6pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.00%;">&#160;
                  </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:12.84pt;padding-top:1pt;text-align:center;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:51.79%;">5%
                  </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:0pt;padding-right:6pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:46.21%;">4
                  </td>
                  <td style="line-height:0pt;padding-right:6pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.00%;">&#160;
                  </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:12.84pt;padding-top:1pt;text-align:center;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:51.79%;">3%
                  </td>
                </tr>
                <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:0pt;padding-right:6pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:46.21%;">5
                  </td>
                  <td style="line-height:0pt;padding-right:6pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.00%;">&#160;
                  </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:12.84pt;padding-top:1pt;text-align:center;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:51.79%;">1%
                  </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-bottom:6pt;padding-left:0pt;padding-right:6pt;padding-top:1pt;text-align:center; text-decoration:none;text-transform:none;vertical-align:top;width:46.21%;">6 years or more
                  </td>
                  <td style="line-height:0pt;padding-bottom:6pt;padding-right:6pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.00%;">&#160;
                  </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-bottom:6pt;padding-left:12.84pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:51.79%;">0%
                  </td>
                </tr>

            </table>
          </div>
          <div style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;text-align:center;text-decoration:none;text-transform:none;">&#160;&#160;&#160;&#160;</div>
          <div style="text-align:left;">
            <table cellspacing="0" cellpadding="0" id="z04c26f1279c04b00836ee9752ec16822" style="border-collapse:collapse;empty-cells:show;margin-top:6pt;width:67.55%;">

                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;padding-bottom:1pt;padding-left:0pt;padding-right:6pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:90.51%;">
                    <div style="float:left;">Transfer Fee<sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;">(3)</sup></div>
                    <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:4.50pt;vertical-align:auto;">
                  </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-bottom:1pt;padding-left:6pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:7.70%;">$25
                  </td>
                </tr>
                <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:10pt;padding-right:6pt;padding-top:1pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:90.51%;">(for each transfer between Variable Options after twelve in a Contract Year)
                  </td>
                  <td style="line-height:0pt;padding-top:1pt;text-align:left;vertical-align:top;width:7.70%;">&#160;
                  </td>
                </tr>

            </table>
          </div>
          <div style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;text-align:left;text-decoration:none;text-transform:none;">&#160;&#160;&#160;&#160;</div>
          <div style="text-align:center;">
            <table cellspacing="0" cellpadding="0" id="zebbec680b9e9417c8a25256c5c32761f" style="border-collapse:collapse;empty-cells:show;margin-left:auto;margin-right:auto;margin-top:6pt;width:100%;">

                <tr style="page-break-inside:avoid;">
                  <td style="line-height:10pt;padding-bottom:2.5pt;padding-right:3pt;text-align:center;vertical-align:bottom;width:73.15%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;padding-bottom:2.5pt;padding-left:3pt;text-align:center; text-decoration:none;text-transform:none;vertical-align:bottom;width:28.07%;"> Index Protection NY Strategy and <br>

                      Index Performance Strategy
                    </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;padding-left:0pt;padding-right:3pt;padding-top:1.75pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:73.15%;"> Daily Adjustment Maximum Potential Loss <br>
                  </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:13pt;padding-top:1.75pt;text-align:center;text-decoration:none;text-transform:none; vertical-align:top;width:28.07%;"> 99%
                    </td>
                </tr>
                <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-bottom:6pt;padding-left:18pt;padding-right:3pt;padding-top:1pt;text-align:left; text-decoration:none;text-indent:-8pt;text-transform:none;vertical-align:top;width:73.15%;"> (as a percentage of Index Option Value, applies for distributions from an Index Option before any Index Anniversary) <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> (4) </sup>
                  </td>
                  <td style="line-height:0pt;padding-bottom:6pt;padding-top:1pt;text-align:center;vertical-align:top;width:28.07%;"> &#160;
                    </td>
                </tr>

            </table>
          </div>
          <div style="text-align:left;">
            <table cellspacing="0" cellpadding="1" id="z65520b027da44db78cdf49ae52812094" style="border-collapse:collapse;empty-cells:show;margin-top:10pt;width:100%;">

                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:3.64%;"> (1)
                    </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:96.36%;"> The Contract provides a free withdrawal privilege that allows you to withdraw 10% of your total Purchase Payments annually without incurring a withdrawal charge, as discussed in section 7, Access to Your Money &#8211; Free
                      Withdrawal Privilege.
                    </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-bottom:0pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:3.64%;"> (2)
                    </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-bottom:0pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;width:96.36%;"> The Withdrawal Charge Basis is the total amount under your Contract that is subject to a withdrawal charge, as discussed in section 6, Expenses &#8211; Withdrawal Charge.
                    </td>
                </tr>

            </table>
          </div>
          <div style="text-align:left;">
            <table cellspacing="0" cellpadding="1" id="z57d25221a0b94d2cadb2bbb7fa084cf1" style="border-collapse:collapse;empty-cells:show;margin-top:3pt;width:100%;">

                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:3.64%;"> (3)
                    </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:96.36%;"> We count all transfers made in the same Business Day as one transfer, as discussed in section 6, Expenses &#8211; Transfer Fee. The transfer fee does not apply to transfers to or from the Index Options and these transfers do
                      not count against your free transfers. Transfers are subject to the policies discussed in section 5, Variable Options &#8211; Excessive Trading and Market Timing.
                    </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-bottom:0pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:3.64%;"> (4)
                    </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-bottom:0pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;width:96.36%;"> This shows the maximum potential loss due to the application of the Daily Adjustment (e.g., maximum loss could occur if there is a total distribution within an Index Year at a time when the Index
                      price has declined to zero). The Daily Adjustment could result in a loss beyond the protection of the 10% or 30% Buffer. The Daily Adjustment applies if before an Index Anniversary you take a full or partial withdrawal (including any
                      financial adviser fees that you choose to have us pay from this Contract), execute a Performance Lock, annuitize the Contract, we pay a death benefit, or when we deduct Contract fees or expenses. The actual Daily Adjustment
                      calculation is determined by a formula described in Appendix B.
                    </td>
                </tr>

            </table>
          </div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;margin-bottom:2pt;margin-top:2pt;text-align:left;text-decoration:none;text-transform:none;"> The next table describes the
              fees and expenses that you will pay each year during the time that you own the Contract (not including Variable Option fees and expenses). </div>
          <div style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:uppercase;"> Annual Contract Expenses </div>
          <div style="text-align:center;">
            <table cellspacing="0" cellpadding="0" id="z2e16a996fd1f45119d9d7b023cdcb99a" style="border-bottom:0.5pt solid #000000;border-collapse:collapse;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;margin-left:auto;margin-right:auto;margin-top:6pt;width:99.39%;">

                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;padding-left:14pt;padding-right:3pt;padding-top:4pt;text-align:left;text-decoration:none; text-indent:-10pt;text-transform:none;vertical-align:top;width:91.40%;"> Administrative Expenses (or contract maintenance charge) <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> (1) </sup><br>
                    <font style="font-weight:Normal;"> (per year) </font>
                  </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:13pt;padding-right:4pt;padding-top:4pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:8.60%;"> $50
                    </td>
                </tr>
                <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;padding-bottom:4pt;padding-left:14pt;padding-right:3pt;padding-top:1.5pt;text-align:left; text-decoration:none;text-indent:-10pt;text-transform:none;vertical-align:top;width:91.40%;"> Base Contract Expenses <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> (2) </sup><br>
                    <font style="font-weight:Normal;"> (as a percentage of the Charge Base) </font>
                  </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-bottom:4pt;padding-left:3pt;padding-right:4pt;padding-top:1.5pt;text-align:right; text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:8.60%;"> 1.25%
                    </td>
                </tr>

            </table>
          </div>
          <div style="text-align:left;">
            <table cellspacing="0" cellpadding="0" id="z7399213882b344b6acb7ba258a8d6c1c" style="border-collapse:collapse;empty-cells:show;margin-top:9pt;width:100%;">

                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;width:3.64%;"> (1)
                    </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:96.36%;"> Referred to as the &#8220;contract maintenance charge&#8221; in the Contract and elsewhere in this prospectus. Waived if the Contract Value is at least $100,000. Also waived during the Annuity Phase. See the section 6, Expenses &#8211;
                      Contract Maintenance Charge (Administrative Expenses).
                    </td>
                </tr>

            </table>
          </div>
          <div style="text-align:left;">
            <table cellspacing="0" cellpadding="0" id="za7779f2cd1c04759b13400a9660b1a34" style="border-collapse:collapse;empty-cells:show;margin-top:1pt;width:100%;">

                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;width:3.64%;"> (2)
                    </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:96.36%;"> Referred to as the &#8220;product fee&#8221; in the Contract and elsewhere in this prospectus. See section 6, Expenses &#8211; Base Contract Expenses (Product Fee).
                    </td>
                </tr>

            </table>
          </div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;margin-bottom:2pt;margin-top:2pt;text-align:left;text-decoration:none;text-transform:none;"> The next table shows the
              minimum and maximum total operating expenses charged by the Variable Options that you may pay periodically during the time that you own the Contract. A complete list of Variable Options available under the Contract, including their annual
              expenses, may be found in Appendix G &#8211; Variable Options Available Under the Contract. </div>
          <div style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:uppercase;"> Annual Variable Option Expenses </div>
          <div style="text-align:center;">
            <table cellspacing="0" cellpadding="0" id="z7331a3855bbd463cb0ffb231278d659d" style="border-collapse:collapse;empty-cells:show;margin-left:auto;margin-right:auto;margin-top:6pt;width:100%;">

                <tr style="page-break-inside:avoid;">
                  <td style="line-height:10pt;padding-bottom:2.5pt;padding-right:3pt;text-align:center;vertical-align:bottom;width:82.03%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;padding-bottom:2.5pt;padding-left:3pt;padding-right:6pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;white-space:nowrap;width:7.10%;"> Minimum
                    </td>
                  <td style="line-height:0pt;padding-bottom:2.5pt;padding-right:6pt;text-align:center;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;padding-bottom:2.5pt;padding-left:6pt;text-align:center; text-decoration:none;text-transform:none;vertical-align:bottom;white-space:nowrap;width:10.08%;"> Maximum
                    </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-bottom:6pt;padding-left:10pt;padding-right:3pt;padding-top:1.75pt;text-align:left; text-decoration:none;text-indent:-10pt;text-transform:none;vertical-align:top;width:82.03%;"> (expenses that are deducted from Variable Option assets, including management fees, distribution and/or service (12b-1) fees, and other
                      expenses)
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-bottom:6pt;padding-left:13pt;padding-right:6pt;padding-top:1.75pt;text-align:center; text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:7.10%;"> 0.65%
                    </td>
                  <td style="line-height:0pt;padding-bottom:6pt;padding-right:6pt;padding-top:1.75pt;text-align:center;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-bottom:6pt;padding-left:16pt;padding-top:1.75pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:10.08%;"> 0.71%
                    </td>
                </tr>

            </table>
          </div>
        </div>
        <div type="Block" style="margin-top:23pt;width:100%;">
          <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:0.5pt solid #000000;height:0.5pt;width:100%;">
          <div style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:13pt;margin-bottom:2pt;margin-top:2pt;text-align:center;text-decoration:none;text-transform:none;"> Allianz Index Advantage <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#174; </sup> New York Variable Annuity Prospectus &#8211; April 29, 2022 </div>
        </div>
        <div type="Block" style="margin-top:4pt;width:100%;">
          <div style="color:#000000;font-family:Arial;font-size:9pt;font-style:Normal;font-weight:bold;line-height:12pt;text-align:center;text-decoration:none;text-transform:none;">&#160;21&#160;</div>
        </div>
      </div>
      <div style="clear:both;font-size:12pt;height:0pt;">
      </div>
      <hr style="margin-bottom:0pt;">
      <p style="margin:0pt;page-break-before:always;">&#160;
      </p>
      <div style="width:100%;">
        <a name="xx_f7d8855a-293d-4d8e-a067-19a772794dc6_8">
        </a>
        <div style="font-family:Arial;font-size:7pt;line-height:10pt;font-weight:Normal;text-transform:none;text-align:left;vertical-align:bottom;padding-bottom:10pt;">
          <a href="#JOB_Index_3271f810-de27-47d4-9b4d-756928a3a1d0_va-toc">
            Table of Contents
          </a>
        </div>
        <div type="Block" style="width:100%;">
          <div style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;margin-bottom:2pt;margin-top:2pt;text-align:left;text-decoration:none;text-transform:uppercase; "> Example </div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;"> This Example is intended to help you compare the
              cost of investing in the Contract with the cost of investing in other variable annuity contracts. These costs include transaction expenses, annual Contract expenses, and annual Variable Option expenses. These costs do not include any
              financial adviser fees that you pay from your other assets, or that you choose to have us pay from this Contract. </div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;"> The Example assumes that you invest $100,000 in
              the Contract for the time periods indicated. The Example also assumes that your investment has a 5% return each year. Although your actual costs may be higher or lower, based on these assumptions, your costs would be: </div>
          <div style="text-align:left;">
            <table cellspacing="0" cellpadding="0" id="za070f60d1ffb4649b6da0f8b90d40ab7" style="border-collapse:collapse;empty-cells:show;margin-left:2.83%;margin-top:6pt;width:97.17%;">

                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;width:2.92%;"> (1)
                    </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.08%;"> If you surrender your Contract (take a full withdrawal) at the end of the applicable time period:
                    </td>
                </tr>

            </table>
          </div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;text-align:left;text-decoration:none;text-transform:none;">&#160;&#160;&#160;&#160;</div>
          <div style="text-align:center;">
            <table cellspacing="0" cellpadding="0" id="zb386041092fe4e1490e6f8026269bfb4" style="border-collapse:collapse;empty-cells:show;margin-left:auto;margin-right:auto;margin-top:12pt;width:86.03%;">

                <tr style="page-break-inside:avoid;">
                  <td style="line-height:10pt;padding-bottom:2.5pt;padding-right:6pt;text-align:left;vertical-align:bottom;width:61.63%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;padding-bottom:2.5pt;padding-left:6pt;padding-right:9pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:9.43%;"> 1 Year
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;padding-bottom:2.5pt;padding-left:9pt;padding-right:9pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:11.21%;"> 3 Years
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;padding-bottom:2.5pt;padding-left:9pt;padding-right:9pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:11.21%;"> 5 Years
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;padding-bottom:2.5pt;padding-left:9pt;padding-right:6pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:12.17%;"> 10 Years
                    </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:0pt;padding-right:6pt;padding-top:2pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:61.63%;"> Maximum Variable Option expense
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:16pt;padding-right:9pt;padding-top:2pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;width:9.43%;"> $9,634
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:19pt;padding-right:9pt;padding-top:2pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;width:11.21%;"> $12,432
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:19pt;padding-right:9pt;padding-top:2pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;width:11.21%;"> $15,034
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:19pt;padding-right:6pt;padding-top:2pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;width:12.17%;"> $22,749
                    </td>
                </tr>
                <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-bottom:6pt;padding-left:0pt;padding-right:6pt;padding-top:1.25pt;text-align:left; text-decoration:none;text-transform:none;vertical-align:top;width:61.63%;"> Minimum Variable Option expense
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-bottom:6pt;padding-left:16pt;padding-right:9pt;padding-top:1.25pt;text-align:center; text-decoration:none;text-transform:none;vertical-align:top;width:9.43%;"> $9,574
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-bottom:6pt;padding-left:19pt;padding-right:9pt;padding-top:1.25pt;text-align:center; text-decoration:none;text-transform:none;vertical-align:top;width:11.21%;"> $12,250
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-bottom:6pt;padding-left:19pt;padding-right:9pt;padding-top:1.25pt;text-align:center; text-decoration:none;text-transform:none;vertical-align:top;width:11.21%;"> $14,726
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-bottom:6pt;padding-left:19pt;padding-right:6pt;padding-top:1.25pt;text-align:center; text-decoration:none;text-transform:none;vertical-align:top;width:12.17%;"> $ 22,119
                    </td>
                </tr>

            </table>
          </div>
          <div style="text-align:left;">
            <table cellspacing="0" cellpadding="0" id="z81a29f831cea46839e0d2aff25af7a49" style="border-collapse:collapse;empty-cells:show;margin-left:2.83%;margin-top:6pt;width:97.17%;">

                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;width:2.92%;"> (2)
                    </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.08%;"> If you annuitize your Contract at the end of the applicable time period.
                    </td>
                </tr>

            </table>
          </div>
          <div style="text-align:center;">
            <table cellspacing="0" cellpadding="0" id="z3536bded655a4fd58e0558e9a649b400" style="border-collapse:collapse;empty-cells:show;margin-left:auto;margin-right:auto;margin-top:12pt;width:86.03%;">

                <tr style="page-break-inside:avoid;">
                  <td style="line-height:10pt;padding-bottom:2.5pt;padding-right:6pt;text-align:left;vertical-align:bottom;width:61.86%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;padding-bottom:2.5pt;padding-left:6pt;padding-right:9pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:9.32%;"> 1 Year
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;padding-bottom:2.5pt;padding-left:9pt;padding-right:9pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:11.09%;"> 3 Years
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;padding-bottom:2.5pt;padding-left:9pt;padding-right:9pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:11.21%;"> 5 Years
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;padding-bottom:2.5pt;padding-left:9pt;padding-right:6pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:12.17%;"> 10 Years
                    </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:0pt;padding-right:6pt;padding-top:2pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:61.86%;"> Maximum Variable Option expense
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:16pt;padding-right:9pt;padding-top:2pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;width:9.32%;"> N/A*
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:19pt;padding-right:9pt;padding-top:2pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;width:11.09%;"> $ 6,119
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:19pt;padding-right:9pt;padding-top:2pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;width:11.21%;"> $10,520
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:19pt;padding-right:6pt;padding-top:2pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;width:12.17%;"> $22,735
                    </td>
                </tr>
                <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-bottom:6pt;padding-left:0pt;padding-right:6pt;padding-top:1.25pt;text-align:left; text-decoration:none;text-transform:none;vertical-align:top;width:61.86%;"> Minimum Variable Option expense
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-bottom:6pt;padding-left:16pt;padding-right:9pt;padding-top:1.25pt;text-align:center; text-decoration:none;text-transform:none;vertical-align:top;width:9.32%;"> N/A*
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-bottom:6pt;padding-left:19pt;padding-right:9pt;padding-top:1.25pt;text-align:center; text-decoration:none;text-transform:none;vertical-align:top;width:11.09%;"> $5,936
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-bottom:6pt;padding-left:19pt;padding-right:9pt;padding-top:1.25pt;text-align:center; text-decoration:none;text-transform:none;vertical-align:top;width:11.21%;"> $10,213
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-bottom:6pt;padding-left:19pt;padding-right:6pt;padding-top:1.25pt;text-align:center; text-decoration:none;text-transform:none;vertical-align:top;width:12.17%;"> $22,105
                    </td>
                </tr>

            </table>
          </div>
          <div style="text-align:left;">
            <table cellspacing="0" cellpadding="0" id="z555a9115dd66416d8a3d5c53aec04e29" style="border-collapse:collapse;empty-cells:show;margin-top:9pt;width:100%;">

                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:3.64%;"> *
                    </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:96.36%;"> The earliest available Annuity Date is 13 months after the Issue Date.
                    </td>
                </tr>

            </table>
          </div>
          <div style="text-align:left;">
            <table cellspacing="0" cellpadding="0" id="z4c98d042c52446808af68f8a9d2fe67c" style="border-collapse:collapse;empty-cells:show;margin-left:3.64%;margin-top:6pt;width:97.17%;">

                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;width:2.92%;"> (3)
                    </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.08%;"> If you do not surrender your Contract.
                    </td>
                </tr>

            </table>
          </div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;text-align:left;text-decoration:none;text-transform:none;">&#160;&#160;&#160;&#160;</div>
          <div style="text-align:center;">
            <table cellspacing="0" cellpadding="0" id="z6d936456763d4f3290e5313a90ae68d5" style="border-collapse:collapse;empty-cells:show;margin-left:auto;margin-right:auto;margin-top:12pt;width:86.03%;">

                <tr style="page-break-inside:avoid;">
                  <td style="line-height:10pt;padding-bottom:2.5pt;padding-right:6pt;text-align:left;vertical-align:bottom;width:61.75%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;padding-bottom:2.5pt;padding-left:6pt;padding-right:9pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:9.43%;"> 1 Year
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;padding-bottom:2.5pt;padding-left:9pt;padding-right:9pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:11.09%;"> 3 Years
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;padding-bottom:2.5pt;padding-left:9pt;padding-right:9pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:11.21%;"> 5 Years
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;padding-bottom:2.5pt;padding-left:9pt;padding-right:6pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:12.17%;"> 10 Years
                    </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:0pt;padding-right:6pt;padding-top:2pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:61.75%;"> Maximum Variable Option expense
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:16pt;padding-right:9pt;padding-top:2pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;width:9.43%;"> $1,984
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:19pt;padding-right:9pt;padding-top:2pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;width:11.09%;"> $6,132
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:19pt;padding-right:9pt;padding-top:2pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;width:11.21%;"> $10,534
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:19pt;padding-right:6pt;padding-top:2pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;width:12.17%;"> $22,749
                    </td>
                </tr>
                <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-bottom:6pt;padding-left:0pt;padding-right:6pt;padding-top:1.25pt;text-align:left; text-decoration:none;text-transform:none;vertical-align:top;width:61.75%;"> Minimum Variable Option expense
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-bottom:6pt;padding-left:16pt;padding-right:9pt;padding-top:1.25pt;text-align:center; text-decoration:none;text-transform:none;vertical-align:top;width:9.43%;"> $1,924
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-bottom:6pt;padding-left:19pt;padding-right:9pt;padding-top:1.25pt;text-align:center; text-decoration:none;text-transform:none;vertical-align:top;width:11.09%;"> $5,950
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-bottom:6pt;padding-left:19pt;padding-right:9pt;padding-top:1.25pt;text-align:center; text-decoration:none;text-transform:none;vertical-align:top;width:11.21%;"> $10,226
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-bottom:6pt;padding-left:19pt;padding-right:6pt;padding-top:1.25pt;text-align:center; text-decoration:none;text-transform:none;vertical-align:top;width:12.17%;"> $ 22,119
                    </td>
                </tr>

            </table>
          </div>
          <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:2pt solid #000000;height:2pt;width:100%;">
          <div style="color:#000000;font-family:Arial;font-size:11pt;font-style:Normal;font-weight:Normal;line-height:13pt;margin-top:5pt;text-align:left;text-decoration:none;text-transform:uppercase;"> Risk Factors </div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:9pt;text-align:left;text-decoration:none;text-transform:none;"> The Contract involves certain risks that you
              should understand before purchasing. You should carefully consider your income needs and risk tolerance to determine whether the Contract is appropriate for you. The level of risk you bear and your potential investment performance will differ
              depending on the Allocation Options you choose. </div>
          <div style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:uppercase;"> Liquidity Risks </div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;"> We designed the Contract to be a long-term
              investment that you can use to help build and provide income for retirement. The Contract is not suitable for short-term investment. </div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;"> If you need to take a full or partial
              withdrawal during the withdrawal charge period, or when we deduct any financial adviser fees that you choose to have us pay from this Contract, we deduct a withdrawal charge, including&#160;amounts previously withdrawn under the free withdrawal
              privilege unless the withdrawal is a Penalty-Free Withdrawal. While Penalty-Free Withdrawals provide some liquidity, they are permitted in only limited amounts or in special circumstances. If you need to withdraw most or all of your Contract
              Value in a short period, you may exceed the Penalty-Free Withdrawal amounts available to you and incur withdrawal charges. (For more information on the withdrawal charge, see the Fee Tables and section 6, Expenses &#8211; Withdrawal Charge.) </div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;"> We calculate the withdrawal charge as a
              percentage of your Purchase Payments, not Contract Value. Consequently, if the Contract Value has declined since you made a Purchase Payment, it is possible the percentage of Contract Value withdrawn to cover the withdrawal charge would be
              greater than the withdrawal charge percentage. For example, assume you buy the Contract with a single Purchase Payment of $1,000. If your Contract Value in the 5th year is $800 and you take a full withdrawal a 5% withdrawal charge applies.
              The total withdrawal charge would be $50 (5% of $1,000). This results in you receiving $750. </div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;"> In addition, upon a full withdrawal the free
              withdrawal privilege is not available to you, and we apply a withdrawal charge against Purchase Payments that are still within their withdrawal charge period, including&#160;amounts previously withdrawn under the free withdrawal privilege. <font style="font-weight:bold;"> On a full withdrawal your Withdrawal Charge Basis may be greater than your </font></div>
        </div>
        <div type="Block" style="margin-top:4pt;width:100%;">
          <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:0.5pt solid #000000;height:0.5pt;width:100%;">
          <div style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:13pt;margin-bottom:2pt;margin-top:2pt;text-align:center;text-decoration:none;text-transform:none;"> Allianz Index Advantage <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#174; </sup> New York Variable Annuity Prospectus &#8211; April 29, 2022 </div>
        </div>
        <div type="Block" style="margin-top:4pt;width:100%;">
          <div style="color:#000000;font-family:Arial;font-size:9pt;font-style:Normal;font-weight:bold;line-height:12pt;text-align:center;text-decoration:none;text-transform:none;">&#160;22&#160;</div>
        </div>
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      <div style="clear:both;font-size:12pt;height:0pt;">
      </div>
      <hr style="margin-bottom:0pt;">
      <p style="margin:0pt;page-break-before:always;">&#160;
      </p>
      <div style="width:100%;">
        <a name="xx_f7d8855a-293d-4d8e-a067-19a772794dc6_9">
        </a>
        <div style="font-family:Arial;font-size:7pt;line-height:10pt;font-weight:Normal;text-transform:none;text-align:left;vertical-align:bottom;padding-bottom:10pt;">
          <a href="#JOB_Index_3271f810-de27-47d4-9b4d-756928a3a1d0_va-toc">
            Table of Contents
          </a>
        </div>
        <div type="Block" style="width:100%;">
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;text-align:left;text-decoration:none;text-transform:none;"> Contract Value because the following reduce your Contract
              Value, but do not reduce your Withdrawal Charge Basis: deductions we make for Contract fees or expenses; and/or poor performance. </div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;"> Amounts withdrawn from this Contract may also
              be subject to federal and state income taxes, and a 10% additional federal tax if taken before age 59 <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#160;1 </sup> &#8260; <font style="font-size:6pt;line-height:8pt;"> 2 </font> . </div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;"> We only apply Performance Credits to the Index
              Options once each Index Year on the Index Anniversary, rather than on a daily basis. In the interim, we calculate Index Option Values based on the Daily Adjustment . Any assets removed from an Index Option during the Index Year for
              withdrawals you take (including Penalty-Free Withdrawals&#160;and any financial adviser fees that you choose to have us pay from this Contract), Annuity Payments, or deductions we make for Contract fees and expenses, or if we pay a death benefit,
              will not be eligible to receive a Performance Credit on the Index Anniversary. These removed assets will not receive the full benefit of the Index Value, Index Return, and the 10% or 30% Buffer that would have been available on the Index
              Anniversary, and losses could exceed the protection offered by the 10% or 30% Buffer. You will receive a Performance Credit only on the Index Option Value remaining in an Index Option on the Index Anniversary. </div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;"> You can transfer Index Option Value to the
              Variable Options only on every sixth Index Anniversary, and you can transfer Index Option Value among the Index Options only on Index Anniversaries. At other times, you can only move assets out of an Index Option by taking a full or partial
              withdrawal, or entering the Annuity Phase. These restrictions may limit your ability to react to changes in market conditions. You should consider whether investing in an Index Option is consistent with your financial needs. </div>
          <div style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:uppercase;"> Risks of Investing in Securities </div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;"> Returns on securities and securities Indexes
              can vary substantially, which may result in investment losses. The historical performance of the available Allocation Options does not guarantee future results. It is impossible to predict whether underlying investment values will fall or
              rise. Trading prices of the securities underlying the Allocation Options are influenced by economic, financial, regulatory, geographic, judicial, political and other complex and interrelated factors. These factors can affect capital markets
              generally and markets on which the underlying securities are traded and these factors can influence the performance of the underlying securities. </div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;"> If you allocate Purchase Payments or transfer
              Contract Value to an Index Option, your returns depend on the performance of an Index although you are not directly invested in the Index. Because the S&amp;P 500 <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#174; </sup>
              Index, Russell 2000 <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#174; </sup> Index, Nasdaq-100 <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#174; </sup> Index and EURO STOXX 50 <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#174; </sup> are each comprised of a collection of equity securities, in each case the value of the component securities is subject to market risk, or the risk that market
              fluctuations may cause the value of the component securities to go up or down, sometimes rapidly and unpredictably. In addition, the value of equity securities may decline for reasons directly related to the issuers of the securities. </div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;"> S&amp;P 500 <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#174; </sup> Index <font style="font-weight:Normal;"> . The S&amp;P 500 <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#174; </sup> Index is
                comprised of equity securities issued by large-capitalization U.S. companies. In general, large-capitalization companies may be unable to respond quickly to new competitive challenges, and also may not be able to attain the high growth rate
                of successful smaller companies. </font></div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;"> Russell 2000 <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#174; </sup> Index <font style="font-weight:Normal;"> . The Russell 2000 <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#174; </sup> Index is
                comprised of equity securities of small-capitalization U.S. companies. In general, the securities of small-capitalization companies may be more volatile and may involve more risk than the securities of larger companies. </font></div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;"> Nasdaq-100 <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#174; </sup> Index <font style="font-weight:Normal;"> . The Nasdaq-100 <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#174; </sup> Index is
                comprised of equity securities of the largest U.S. and non-U.S. companies listed on The Nasdaq Stock Market, including companies across all major industry groups except the financial industry. To the extent that the Nasdaq-100 <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#174; </sup> Index is comprised of securities issued by companies in a particular sector, that company&#8217;s securities may not perform as well as companies in other sectors or
                the market as a whole. Also, any component securities issued by non-U.S. companies (including related depositary receipts) are subject to the risks related to investments in foreign markets (e.g., increased price volatility; changing
                currency exchange rates; and greater political, regulatory, and economic uncertainty). </font></div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;"> EURO STOXX 50 <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#174; </sup><font style="font-weight:Normal;"> . EURO STOXX 50 <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#174; </sup> is comprised of the equity
                securities of large-capitalization companies in the Eurozone. The securities comprising EURO STOXX 50 <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#174; </sup> are subject to the risks related to investments in
                foreign markets (e.g., increased price volatility; changing currency exchange rates; and greater political, regulatory, and economic uncertainty), and are significantly affected by the European markets and actions of the European Union. </font></div>
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          <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:0.5pt solid #000000;height:0.5pt;width:100%;">
          <div style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:13pt;margin-bottom:2pt;margin-top:2pt;text-align:center;text-decoration:none;text-transform:none;"> Allianz Index Advantage <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#174; </sup> New York Variable Annuity Prospectus &#8211; April 29, 2022 </div>
        </div>
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          <div style="color:#000000;font-family:Arial;font-size:9pt;font-style:Normal;font-weight:bold;line-height:12pt;text-align:center;text-decoration:none;text-transform:none;">&#160;23&#160;</div>
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      </div>
      <hr style="margin-bottom:0pt;">
      <p style="margin:0pt;page-break-before:always;">&#160;
      </p>
      <div style="width:100%;">
        <a name="xx_f7d8855a-293d-4d8e-a067-19a772794dc6_10">
        </a>
        <div style="font-family:Arial;font-size:7pt;line-height:10pt;font-weight:Normal;text-transform:none;text-align:left;vertical-align:bottom;padding-bottom:10pt;">
          <a href="#JOB_Index_3271f810-de27-47d4-9b4d-756928a3a1d0_va-toc">
            Table of Contents
          </a>
        </div>
        <div type="Block" style="width:100%;">
          <div style="text-align:center;">
            <table cellspacing="0" cellpadding="0" id="z1bc0356c89424cddb9df9c778f9f2d4b" style="border-bottom:0.5pt solid #000000;border-collapse:collapse;border-top:0.5pt solid #000000;empty-cells:show;margin-left:auto;margin-right:auto;margin-top:6pt;width:99.60%;">

                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-bottom:4pt;padding-left:4pt;padding-right:4pt;padding-top:4pt;text-align:left; text-decoration:none;text-transform:none;vertical-align:top;width:100%;"> The COVID-19 pandemic has at times led to significant volatility and negative returns in the financial markets. These market conditions have impacted the
                      performance of the Indexes to which the Index Options are linked, as well as securities held by the Variable Options. If these market conditions continue or reoccur, and depending on your individual circumstances ( <font style="font-style:italic;"> e.g. </font> , your selected Allocation Options and the timing of any Purchase Payments, transfers, or withdrawals), you may experience (perhaps significant) negative returns under the Contract. The
                      COVID-19 pandemic has contributed to an uncertain and evolving economic environment. The impact of the COVID-19 pandemic and other interrelated factors (e.g., changes in interest rates, rising inflation, actions of governmental
                      authorities) on the economic environment cannot be predicted with certainty, but they could negatively affect the returns of an Index and the level of Caps, and other product features, and the overall performance of your Contract. <br>
                    The military invasion of Ukraine initiated by Russia in February 2022 and the resulting response by the United States and other countries have led to economic disruptions, as well as increased volatility and uncertainty in the
                      financial markets. It is not possible to predict the ultimate duration and scope of the conflict, or the future impact on U.S. and global economies and financial markets. The performance of the Indexes to which the Index Options are
                      linked, as well as securities held by the AZL Government Money Market Fund, may be adversely affected. This risk could be higher for Indexes with exposure to European or Russian markets, including EURO STOXX 50 <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#174; </sup> . Depending on your individual circumstances (e.g., your selected Index Options and the timing of any Purchase Payments, transfers, or withdrawals), you may
                      experience (perhaps significant) negative returns under the Contract. You should consult with a Financial Professional about how the recent market conditions may impact your future investment decisions related to the Contract, such as
                      purchasing the Contract or making Purchase Payments, transfers, or withdrawals, based on your individual circumstances.
                    </td>
                </tr>

            </table>
          </div>
          <div style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;margin-bottom:2pt;margin-top:2pt;text-align:left;text-decoration:none;text-transform:uppercase;"> Risk of Negative Returns </div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;"> The Variable Options do not provide any
              protection against negative returns. <font style="font-style:italic;font-weight:bold;"> You can lose principal and previous earnings if you allocate Purchase Payments or transfer Contract Value to the Variable Options and such losses
                could be significant. </font></div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;"> If you allocate Purchase Payments or transfer
              Contract Value to an Index Option, negative Index Returns may cause Performance Credits to be negative after application of the 10% or 30% Buffer. For the Index Performance Strategy, we apply the Buffer for the entire Term length; we do not
              apply the Buffer annually on a Term Index Option. Ongoing deductions we make for Contract fees and expenses could also cause amounts available for withdrawal to be less than what you invested even if Index performance has been positive. <font style="font-style:italic;font-weight:bold;"> You can lose principal and previous earnings if you allocate Purchase Payments or transfer Contract Value to the Index Options, and such losses could be significant. </font><font style="font-weight:bold;"> The maximum potential negative Performance Credit is based on the Buffer. If the Buffer is 10% the maximum negative Performance Credit is &#8209;90%, and if the Buffer is 30% the maximum negative Performance Credit is
                &#8209;70%. </font><font style="font-style:italic;font-weight:bold;"> Such losses will be greater if you take a withdrawal&#160;(including any financial adviser fees that you choose to have us pay from this Contract) that is subject to a
                withdrawal charge, or is a deduction of Contract fees and expenses. </font></div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;"> If you select an Index Option, we calculate
              Index Option Values on each Business Day during an Index Year (other than the Index Effective Date or an Index Anniversary) by adding the Daily Adjustment. The Daily Adjustment affects the total Contract Value available for withdrawal,
              annuitization, and payment of the death benefit, and it affects how we determine the contract maintenance charge and Charge Base for the product fee. The Daily Adjustment can be less than the Cap even if the year-to-date Index return is
              greater than the Cap. In addition, even though the year-to-date Index return may be positive, the Daily Adjustment may be negative due to changes in Proxy Value inputs, such as volatility, dividend yield, and interest rate. The Daily
              Adjustment is generally negatively affected by: </div>
          <div style="text-align:left;">
            <table cellspacing="0" cellpadding="2" id="zfbfb5c2e4dc34d04a9f6eaff9457a724" style="border-collapse:collapse;empty-cells:show;margin-top:2pt;width:100%;">

                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;"> &#8226;
                    </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;"> interest rate decreases,
                    </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;"> &#8226;
                    </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;"> dividend rate increases,
                    </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-bottom:0pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:2.83%;"> &#8226;
                    </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-bottom:0pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;width:97.17%;"> poor market performance, and
                    </td>
                </tr>

            </table>
          </div>
          <div style="text-align:left;">
            <table cellspacing="0" cellpadding="0" id="zb6b682cc1c7b4a36887999643ef61a60" style="border-collapse:collapse;empty-cells:show;margin-top:2pt;width:100%;">

                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:4.05%;"> &#8226;
                    </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:95.95%;"> increases in the expected volatility of Index prices.
                    </td>
                </tr>

            </table>
          </div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-bottom:2pt;margin-top:2pt;text-align:left;text-decoration:none;text-transform:none;"> If you take a withdrawal
              from an Index Option before the Index Anniversary, <font style="font-weight:bold;"> you could lose principal and previous earnings because of the Daily Adjustment </font><font style="font-style:italic;font-weight:bold;"> even if
                Index performance is positive on that day or has been positive since the beginning of the Index Year </font><font style="font-weight:bold;"> . If the current Index return during the Index Year is negative, the Daily Adjustment could
                result in losses greater than the protection provided by the 10% or 30% Buffer. In extreme circumstances the Daily Adjustment could result in a loss beyond the protection of the Buffer, but it cannot result in a total loss of -100%. </font><font style="font-style:italic;font-weight:bold;"> Such losses will be greater if the amount withdrawn&#160;(including any financial adviser fees that you choose to have us pay from this Contract) is also subject to a withdrawal charge, or is a
                deduction of Contract fees and expenses. </font></div>
        </div>
        <div type="Block" style="margin-top:4pt;width:100%;">
          <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:0.5pt solid #000000;height:0.5pt;width:100%;">
          <div style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:13pt;margin-bottom:2pt;margin-top:2pt;text-align:center;text-decoration:none;text-transform:none;"> Allianz Index Advantage <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#174; </sup> New York Variable Annuity Prospectus &#8211; April 29, 2022 </div>
        </div>
        <div type="Block" style="margin-top:4pt;width:100%;">
          <div style="color:#000000;font-family:Arial;font-size:9pt;font-style:Normal;font-weight:bold;line-height:12pt;text-align:center;text-decoration:none;text-transform:none;">&#160;24&#160;</div>
        </div>
      </div>
      <div style="clear:both;font-size:12pt;height:0pt;">
      </div>
      <hr style="margin-bottom:0pt;">
      <p style="margin:0pt;page-break-before:always;">&#160;
      </p>
      <div style="width:100%;">
        <a name="xx_f7d8855a-293d-4d8e-a067-19a772794dc6_11">
        </a>
        <div style="font-family:Arial;font-size:7pt;line-height:10pt;font-weight:Normal;text-transform:none;text-align:left;vertical-align:bottom;padding-bottom:10pt;">
          <a href="#JOB_Index_3271f810-de27-47d4-9b4d-756928a3a1d0_va-toc">
            Table of Contents
          </a>
        </div>
        <div type="Block" style="width:100%;">
          <div style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;margin-bottom:2pt;margin-top:2pt;text-align:left;text-decoration:none;text-transform:uppercase;"> Risks Associated with
              Calculation of Performance Credits </div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;"> We calculate Performance Credits each Index
              Year on the Index Anniversary. Because we calculate Index Returns only on a single date in time, you may experience negative or flat performance even though the Index you selected for a given Crediting Method experienced gains through some,
              or most, of the Index Year. If you allocate Purchase Payments or transfer Contract Value to the Index Options the Caps limit positive returns and could cause performance to be lower than it would otherwise have been if you invested in a
              mutual fund designed to track the performance of the applicable Index, or the Variable Options. </div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;"> The Index Options do not directly participate
              in the returns of the Indexes or the Indexes&#8217; component securities, and do not receive any dividends payable on these securities. Index returns would be higher if they included the dividends from the component securities. The past ten years
              of actual average of the annual Index returns without and with dividends would have been as follows: </div>
          <div style="text-align:center;">
            <table cellspacing="0" cellpadding="0" id="z96d8aefd21814305858c0b3309335792" style="border-collapse:collapse;empty-cells:show;margin-left:auto;margin-right:auto;margin-top:6pt;width:100%;">

                <tr style="page-break-inside:avoid;">
                  <td style="line-height:10pt;padding-bottom:2.5pt;padding-right:6pt;text-align:center;vertical-align:bottom;width:34.28%;"> &#160;
                    </td>
                  <td colspan="7" style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;padding-bottom:2.5pt;padding-left:6pt;text-align:center; text-decoration:none;text-transform:none;vertical-align:bottom;width:66.94%;"> January 1, 2011 through December 31, 2021
                    </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="line-height:0pt;padding-bottom:2.5pt;padding-right:6pt;padding-top:2pt;text-align:center;vertical-align:bottom;width:34.28%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;padding-bottom:2.5pt;padding-left:6pt;padding-right:6pt;padding-top:2pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:12.78%;"> S&amp;P 500 <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#174; </sup> Index
                    </td>
                  <td style="line-height:0pt;padding-bottom:2.5pt;padding-right:6pt;padding-top:2pt;text-align:center;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;padding-bottom:2.5pt;padding-left:6pt;padding-right:6pt;padding-top:2pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:15.45%;"> Nasdaq-100 <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#174; </sup> Index
                    </td>
                  <td style="line-height:0pt;padding-bottom:2.5pt;padding-right:6pt;padding-top:2pt;text-align:center;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;padding-bottom:2.5pt;padding-left:6pt;padding-right:6pt;padding-top:2pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:16.19%;"> Russell 2000 <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#174; </sup> Index
                    </td>
                  <td style="line-height:0pt;padding-bottom:2.5pt;padding-right:6pt;padding-top:2pt;text-align:center;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;padding-bottom:2.5pt;padding-left:6pt;padding-top:2pt;text-align:center; text-decoration:none;text-transform:none;vertical-align:bottom;width:16.52%;"> EURO STOXX 50 <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#174; </sup>
                  </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:0pt;padding-right:6pt;padding-top:2pt;text-align:left; text-decoration:none;text-transform:none;vertical-align:top;width:34.28%;"> Returns without dividends
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:16pt;padding-right:6pt;padding-top:2pt;text-align:center; text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:12.78%;"> 12.15%
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-right:6pt;padding-top:2pt;text-align:center;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:16pt;padding-right:6pt;padding-top:2pt;text-align:center; text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:15.45%;"> 20.28%
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-right:6pt;padding-top:2pt;text-align:center;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:16pt;padding-right:6pt;padding-top:2pt;text-align:center; text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:16.19%;"> 10.65%
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-right:6pt;padding-top:2pt;text-align:center;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:16pt;padding-top:2pt;text-align:center; text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:16.52%;"> 3.22%
                    </td>
                </tr>
                <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-bottom:6pt;padding-left:0pt;padding-right:6pt;padding-top:1.25pt;text-align:left; text-decoration:none;text-transform:none;vertical-align:top;width:34.28%;"> Returns with dividends
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-bottom:6pt;padding-left:16pt;padding-right:6pt;padding-top:1.25pt;text-align:center; text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:12.78%;"> 14.45%
                    </td>
                  <td style="line-height:0pt;padding-bottom:6pt;padding-right:6pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-bottom:6pt;padding-left:16pt;padding-right:6pt;padding-top:1.25pt;text-align:center; text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:15.45%;"> 21.66%
                    </td>
                  <td style="line-height:0pt;padding-bottom:6pt;padding-right:6pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-bottom:6pt;padding-left:16pt;padding-right:6pt;padding-top:1.25pt;text-align:center; text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:16.19%;"> 12.17%
                    </td>
                  <td style="line-height:0pt;padding-bottom:6pt;padding-right:6pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-bottom:6pt;padding-left:16pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:16.52%;"> 7.09%
                    </td>
                </tr>

            </table>
          </div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-bottom:2pt;margin-top:2pt;text-align:left;text-decoration:none;text-transform:none;"> Caps may be adjusted
              annually on the Index Anniversary and may vary significantly from year to year. Changes to Caps may significantly affect the amount of Performance Credit you receive. For more information, see the &#8220;Changes to&#160;Caps&#8221; discussion later in this
              section. </div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;"> The Crediting Methods only capture Index
              Values on one day each year, so you will bear the risk that the Index Value might be abnormally low on these days. </div>
          <div style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:uppercase;"> Risks Associated with Performance Locks </div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;"> If a Performance Lock is executed: </div>
          <div style="text-align:left;">
            <table cellspacing="0" cellpadding="2" id="zd9dbdc3b4a404d598d15bfdc007cba6b" style="border-collapse:collapse;empty-cells:show;margin-top:3pt;width:100%;">

                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;"> &#8226;
                    </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;"> You will no longer participate in Index performance, positive or negative, for the remainder of the Index Year for the locked Index Option. This means that under no circumstances will your Index Option Value increase
                      during the remainder of the Index Year.
                    </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;"> &#8226;
                    </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;"> You will not receive a Performance Credit on any locked Index Option on the next Index Anniversary.
                    </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;"> &#8226;
                    </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;"> We use the Daily Adjustment calculated at the end of the <font style="font-weight:bold;text-decoration:underline;"> current </font> Business Day on the Lock Date to determine your locked Index Option
                      Value. This means you will not be able to determine in advance your locked Index Option Value, and it may be higher or lower than it was at the point in time you requested a manual Performance Lock, or that your Index Option reached
                      its target for an automatic Performance Lock. Through your account on our website you can request a Performance Lock based on upper and/or lower targets you set using Index Option Value returns.
                    </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;"> &#8226;
                    </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;"> If a Performance Lock is executed when your Daily Adjustment has declined, you will lock in any loss. It is possible that you would have realized less of a loss or no loss if the Performance Lock occurred at a later
                      time, or if the Index Option was not locked.
                    </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-bottom:0pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:2.83%;"> &#8226;
                    </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-bottom:0pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;width:97.17%;"> We will not provide advice or notify you regarding whether you should exercise a Performance Lock or the optimal time for doing so. We will not warn you if you exercise a Performance Lock at a
                      sub-optimal time. We are not responsible for any losses related to your decision whether or not to exercise a Performance Lock.
                    </td>
                </tr>

            </table>
          </div>
          <div style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;margin-bottom:2pt;margin-top:2pt;text-align:left;text-decoration:none;text-transform:uppercase; "> Substitution of an Index </div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;"> There is no guarantee that the Indexes will be
              available during the entire time that you own your Contract. If we substitute a new Index for an existing Index, the performance of the new Index may be different and this may affect your ability to receive positive Performance Credits. We
              may substitute a new Index for an existing Index if: </div>
          <div style="text-align:left;">
            <table cellspacing="0" cellpadding="2" id="z703c8648b8404f0ab15d93ce09b2ebdb" style="border-collapse:collapse;empty-cells:show;margin-top:2pt;width:100%;">

                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;"> &#8226;
                    </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;"> the Index is discontinued,
                    </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;"> &#8226;
                    </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;"> we are unable to use the Index because, for example, changes to an Index make it impractical or expensive to purchase derivative hedging instruments to hedge the Index, or we are not licensed to use the Index, or
                    </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-bottom:0pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:2.83%;"> &#8226;
                    </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-bottom:0pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;width:97.17%;"> the method of calculation of the Index Values changes substantially, resulting in significantly different Index Values and performance results. This could occur, for example, if an Index altered the
                      types of securities tracked, or the weighting of different categories of securities.
                    </td>
                </tr>

            </table>
          </div>
        </div>
        <div type="Block" style="margin-top:10pt;width:100%;">
          <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:0.5pt solid #000000;height:0.5pt;width:100%;">
          <div style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:13pt;margin-bottom:2pt;margin-top:2pt;text-align:center;text-decoration:none;text-transform:none;"> Allianz Index Advantage <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#174; </sup> New York Variable Annuity Prospectus &#8211; April 29, 2022 </div>
        </div>
        <div type="Block" style="margin-top:4pt;width:100%;">
          <div style="color:#000000;font-family:Arial;font-size:9pt;font-style:Normal;font-weight:bold;line-height:12pt;text-align:center;text-decoration:none;text-transform:none;">&#160;25&#160;</div>
        </div>
      </div>
      <div style="clear:both;font-size:12pt;height:0pt;">
      </div>
      <hr style="margin-bottom:0pt;">
      <p style="margin:0pt;page-break-before:always;">&#160;
      </p>
      <div style="width:100%;">
        <a name="xx_f7d8855a-293d-4d8e-a067-19a772794dc6_12">
        </a>
        <div style="font-family:Arial;font-size:7pt;line-height:10pt;font-weight:Normal;text-transform:none;text-align:left;vertical-align:bottom;padding-bottom:10pt;">
          <a href="#JOB_Index_3271f810-de27-47d4-9b4d-756928a3a1d0_va-toc">
            Table of Contents
          </a>
        </div>
        <div type="Block" style="width:100%;">
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-bottom:2pt;margin-top:2pt;text-align:left;text-decoration:none;text-transform:none;"> If we add or substitute an
              Index, we first seek any required regulatory approval (from each applicable state insurance regulator) and then provide you with written notice. We also provide you with written notice if an Index changes its name. Substitutions of an Index
              may occur during an Index Year. If we substitute an Index during an Index Year we will combine the return of the replaced existing Index from the prior Index Anniversary to the substitution date with the return of the new Index from the
              substitution date to the next Index Anniversary. If we substitute an Index during an Index Year: </div>
          <div style="text-align:left;">
            <table cellspacing="0" cellpadding="2" id="za72292069768408184d62c6b0e52c535" style="border-collapse:collapse;empty-cells:show;margin-top:2pt;width:100%;">

                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;"> &#8226;
                    </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;"> we do <font style="font-weight:bold;text-decoration:underline;"> not </font> change the Charge Base we use to calculate the product fee, and
                    </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-bottom:0pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:2.83%;"> &#8226;
                    </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-bottom:0pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;width:97.17%;"> the Buffers and Caps for the replaced Index will apply to the new Index. We do <font style="font-weight:bold;text-decoration:underline;"> not </font> change the Buffers applicable to
                      your Contract, or the current Caps that we set on the prior Index Anniversary.
                    </td>
                </tr>

            </table>
          </div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-bottom:2pt;margin-top:2pt;text-align:left;text-decoration:none;text-transform:none;"> Changes to Caps associated
              with the new Index, if any, may occur at the next regularly scheduled Index Anniversary or on later Index Anniversaries. Depending on the constitution of the replaced Index, the volatility of its investments, and our ability to hedge the
              Index&#8217;s performance, we may determine, in our discretion, to increase or decrease renewal Caps associated with the new Index. However, we would not implement any change to reflect this difference until the next Index Anniversary after the
              substitution. The substitution of an Index during an Index Year may result in an abnormally large change in the Daily Adjustment on the day we substitute the Index. </div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;"> The selection of a substitution Index is in
              our discretion; however, it is anticipated that any substitute Index will be substantially similar to the Index it is replacing and we will replace any equity Index with a broad-based equity index. </div>
          <div style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:uppercase;"> Changes to&#160;Caps </div>
          <div style="text-align:center;">
            <table cellspacing="0" cellpadding="0" id="z594cf23dc8c8470ab3a06360a8297ad2" style="border-bottom:0.5pt solid #000000;border-collapse:collapse;border-top:0.5pt solid #000000;empty-cells:show;margin-left:auto;margin-right:auto;margin-top:6pt;width:99.60%;">

                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-bottom:4pt;padding-left:4pt;padding-right:4pt;padding-top:4pt;text-align:left; text-decoration:none;text-transform:none;vertical-align:top;width:100%;"> You can only transfer Index Option Value to a Variable Option on a sixth Index Anniversary.
                    </td>
                </tr>

            </table>
          </div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-bottom:2pt;margin-top:2pt;text-align:left;text-decoration:none;text-transform:none;"> We establish initial and
              renewal Caps as indicated under &#8220;When Does Allianz Establish the Values Used to Determine Index Credits?&#8221; in the Summary of the Index Options section. This section also includes information on the notice we provide you of renewal changes on
              each Index Anniversary. </div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;"> You should be aware that, generally, Caps could
              change every seven calendar days. However, these rates are guaranteed to be available during the period stated on our website at <font style="color:#0000FF;text-decoration:underline;"> allianzlife.com/indexratesny </font> and
              cannot be superseded until that period ends. If you select the earliest Index Effective Date or an Index Effective Date that is within the guaranteed period applicable to the initial rates in effect on the Issue Date, the initial rates
              available for review on your Issue Date will be the rates on your Index Effective Date. However, if you select an Index Effective Date that is after the date the rate is guaranteed to be available, you are subject to the risk that initial
              Caps may change and be less advantageous to you. Furthermore, if the Index Effective Date is after the end of the free look period, you will be subject to the withdrawal charge, and final product fee and contract maintenance charge if you
              then elect to cancel the Contract after the free look period. You may review future rates at least seven calendar days before their effectiveness at <font style="color:#0000FF;text-decoration:underline;"> allianzlife.com/indexratesny </font> ,
              or call (800) 624-0197. You (or your Financial Professional, if authorized) can change your Index Effective Date at any time before it occurs to be an earlier or later date by submitting a request. </div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;"> On each Index Anniversary you have the option
              of remaining allocated to your current Index Options at the renewal Caps, or transferring to another permitted Allocation Option, subject to the limitations on transfers from an Index Option to a Variable Option. At least seven calendar days
              before each Index Anniversary we publish renewal rates for your review in your account on our website, and on our public website at <font style="color:#0000FF;text-decoration:underline;"> allianzlife.com/indexratesny </font> , or
              call (800) 624-0197. If you do not review renewal change information when it is published, or take no action to transfer to another permitted Allocation Option, you will remain allocated to your current Index Options and will automatically
              become subject to the renewal Caps until the next Index Anniversary. </div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;"> You risk the possibility that the renewal Caps
              you receive may be less than you would find acceptable. If you do not find the renewal rates acceptable, you must give us transfer instructions no later than the end of the Business Day on the Index Anniversary (or the next Business Day if
              the anniversary is a non-Business Day) or you will be subject to these renewal Caps for the next Index Year. Other than on a sixth Index Anniversary when you can transfer Index Option Value to the Variable Options, when&#160;your renewal rates
              change the only options available to you are to transfer Index Option Value between Index Options, or take a full withdrawal (which may be subject to a withdrawal charge). </div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;"> Initial and renewal Caps may vary
              significantly depending upon a variety of factors, including: </div>
          <div style="text-align:left;">
            <table cellspacing="0" cellpadding="2" id="zed685da3556f47389e75af2519b73495" style="border-collapse:collapse;empty-cells:show;margin-top:2pt;width:100%;">

                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;"> &#8226;
                    </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;"> market volatility,
                    </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;"> &#8226;
                    </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;"> our hedging strategies and investment performance,
                    </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-bottom:0pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:2.83%;"> &#8226;
                    </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-bottom:0pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;width:97.17%;"> the availability of hedging instruments,
                    </td>
                </tr>

            </table>
          </div>
        </div>
        <div type="Block" style="margin-top:4pt;width:100%;">
          <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:0.5pt solid #000000;height:0.5pt;width:100%;">
          <div style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:13pt;margin-bottom:2pt;margin-top:2pt;text-align:center;text-decoration:none;text-transform:none;"> Allianz Index Advantage <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#174; </sup> New York Variable Annuity Prospectus &#8211; April 29, 2022 </div>
        </div>
        <div type="Block" style="margin-top:4pt;width:100%;">
          <div style="color:#000000;font-family:Arial;font-size:9pt;font-style:Normal;font-weight:bold;line-height:12pt;text-align:center;text-decoration:none;text-transform:none;">&#160;26&#160;</div>
        </div>
      </div>
      <div style="clear:both;font-size:12pt;height:0pt;">
      </div>
      <hr style="margin-bottom:0pt;">
      <p style="margin:0pt;page-break-before:always;">&#160;
      </p>
      <div style="width:100%;">
        <a name="xx_f7d8855a-293d-4d8e-a067-19a772794dc6_13">
        </a>
        <div style="font-family:Arial;font-size:7pt;line-height:10pt;font-weight:Normal;text-transform:none;text-align:left;vertical-align:bottom;padding-bottom:10pt;">
          <a href="#JOB_Index_3271f810-de27-47d4-9b4d-756928a3a1d0_va-toc">
            Table of Contents
          </a>
        </div>
        <div type="Block" style="width:100%;">
          <div style="text-align:left;">
            <table cellspacing="0" cellpadding="2" id="zbb9c6bf162f74f2f98e0880f584caea6" style="border-collapse:collapse;empty-cells:show;margin-top:0pt;width:100%;">

                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;"> &#8226;
                    </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;"> the amount of money available to us through Contract fees and expenses to purchase hedging instruments,
                    </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;"> &#8226;
                    </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;"> your Index Effective Date,
                    </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;"> &#8226;
                    </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;"> the level of interest rates,
                    </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;"> &#8226;
                    </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;"> utilization of Contract benefits by Owners, and
                    </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-bottom:0pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:2.83%;"> &#8226;
                    </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-bottom:0pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;width:97.17%;"> our profitability goals.
                    </td>
                </tr>

            </table>
          </div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-bottom:2pt;margin-top:2pt;text-align:left;text-decoration:none;text-transform:none;"> Due to a combination of
              factors, including potential changes in interest rates and other market conditions (e.g. rising inflation), the current economic environment is evolving. The future impact on initial and renewal Caps cannot be predicted with certainty. The
              effect of a change in interest rates or other market conditions may not be direct or immediate. There may be a lag in changes to Caps. Interest rates could increase. In a rising interest rate environment, increases in Caps, if any, may be
              substantially slower than increases in interest rates. </div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;"> We manage our obligation to provide
              Performance Credits in part by trading call and put options, and other derivatives on the available Indexes. The costs of the call and put options and other derivatives vary based on market conditions, and we may adjust future renewal Caps to
              reflect these cost changes. The primary factor affecting the differences in the initial Caps for newly issued Contracts and renewal rates for existing Contracts is the difference in what we can earn from these investments for newly issued
              Contracts versus what we are earning on the investments that were made, and are being held to maturity, for existing Contracts. In some instances we may need to reduce both initial and renewal Caps, or we may need to substitute an Index. You
              bear the risk that we may reduce Caps, which reduces your opportunity to receive positive Performance Credits. </div>
          <div style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:uppercase;"> Investment in Derivative Hedging Instruments </div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;"> The Index Options are supported by bonds and
              other fixed income securities which are also used to support the Contract guarantees, cash, and derivative hedging instruments used to hedge the movements of the applicable Index. </div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;"> At Contract issue, we invest a substantial
              majority of the initial Contract Value&#160;allocated to the Index Options in fixed income securities, with most of the remainder invested in derivative hedging instruments. The derivative hedging instruments are purchased to track and hedge Index
              movements and support our obligations with regard to the Index Options. The derivative hedging instruments we purchase include put options, call options, futures, swaps, and other derivatives. </div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;"> The Index Options move assets in the
              unregistered separate account between a book value subaccount and a market value subaccount during the Index Year based on Index performance. We typically transfer assets between the subaccounts if there is a 10% incremental change in
              year-to-date Index performance. For the Index Performance Strategy this starts at a -10% decrease in the market; for the Index Protection NY Strategy, this starts at a -30% decrease in the market. We monitor year-to-date Index performance
              daily and change allocations daily if needed based on this 10% increment. For more information on our unregistered separate account backing the Index Options, see section 12, Other Information &#8211; Our Unregistered Separate Account. </div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;"> We currently limit our purchase of derivative
              hedging instruments to liquid securities. However, like many types of derivative hedging instruments, these securities may be volatile and their price may vary substantially. In addition, because we pay Performance Credits regardless of the
              performance of derivative hedging instruments we purchase, we may incur losses on hedging mismatches or errors in hedging. We may incur additional costs if the costs of our hedging program increase due to market conditions or other factors.
              Our overall experience with hedging securities may affect renewal Caps for existing Contracts. </div>
          <div style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:uppercase;"> Risks of Deducting Financial Adviser Fees from
              the Contract </div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;"> If you have an investment adviser and want to
              pay their financial adviser fees from this Contract, you can instruct us to withdraw the fee from your Contract and pay it to your adviser. The investment adviser requests each fee payment by submitting a letter of instruction that includes
              the fee amount. The deduction of financial adviser fees is in addition to this Contract&#8217;s fees and expenses, and the deduction is treated the same as any other withdrawal under the Contract. As such, withdrawals to pay financial adviser fees
              may be subject to withdrawal charges, will reduce the Contract Value and Guaranteed Death Benefit Value (perhaps significantly), and may be subject to income taxes (including tax penalties if you are younger than age 59 <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#160;1 </sup> &#8260; <font style="font-size:6pt;line-height:8pt;"> 2 </font> ). <font style="font-style:italic;font-weight:bold;"> Please consult with your Financial
                Professional before requesting us to pay financial adviser fees from this Contract compared to other assets you may have. </font></div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;"> Certain Variable Options may also invest in
              derivative securities. For more information on these investments, see the Variable Option prospectuses. </div>
        </div>
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          <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:0.5pt solid #000000;height:0.5pt;width:100%;">
          <div style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:13pt;margin-bottom:2pt;margin-top:2pt;text-align:center;text-decoration:none;text-transform:none;"> Allianz Index Advantage <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#174; </sup> New York Variable Annuity Prospectus &#8211; April 29, 2022 </div>
        </div>
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          <div style="color:#000000;font-family:Arial;font-size:9pt;font-style:Normal;font-weight:bold;line-height:12pt;text-align:center;text-decoration:none;text-transform:none;">&#160;27&#160;</div>
        </div>
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      </div>
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      </p>
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        <a name="xx_f7d8855a-293d-4d8e-a067-19a772794dc6_14">
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          <a href="#JOB_Index_3271f810-de27-47d4-9b4d-756928a3a1d0_va-toc">
            Table of Contents
          </a>
        </div>
        <div type="Block" style="width:100%;">
          <div style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;margin-bottom:2pt;margin-top:2pt;text-align:left;text-decoration:none;text-transform:uppercase;"> Our Financial Strength and
              Claims-Paying Ability </div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;"> We make Annuity Payments, pay death benefits,
              and apply Performance Credits from our general account. Our general account assets are subject to claims by our creditors, and any payment we make from our general account is subject to our financial strength and claims-paying ability. </div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;"> The assets in our unregistered separate
              account, Separate Account IANY are also subject to claims by our creditors. You can obtain information on our financial condition by reviewing our financial statements in this prospectus, and are also subject to our financial strength and
              claims paying ability. For more information see section 12, Other Information &#8211; Our Unregistered Separate Account. </div>
          <div style="text-align:center;">
            <table cellspacing="0" cellpadding="0" id="z8045c99269d7481490de27a3324e9eff" style="border-bottom:0.5pt solid #000000;border-collapse:collapse;border-top:0.5pt solid #000000;empty-cells:show;margin-left:auto;margin-right:auto;margin-top:6pt;width:99.60%;">

                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-bottom:4pt;padding-left:4pt;padding-right:4pt;padding-top:4pt;text-align:left; text-decoration:none;text-transform:none;vertical-align:top;width:100%;"> As a result of the COVID-19 pandemic and interrelated market factors (e.g., market volatility changes in interest rates, rising inflation, actions by
                      governmental authorities), economic uncertainties have arisen which could negatively impact Allianz Life of New York&#8217;s net income and surplus. The extent to which the COVID-19 pandemic and these other market factors will impact our
                      business, net income, and surplus, as well as our capital and liquidity position, will depend on future developments, which are highly uncertain. For more information see section 13, Information on Allianz Life of New York &#8211; Business
                      and Operational Risks Relevant to the Contract.
                    </td>
                </tr>

            </table>
          </div>
          <div style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;margin-bottom:2pt;margin-top:2pt;text-align:left;text-decoration:none;text-transform:uppercase; "> Regulatory Protections </div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;"> Allianz Life of New York is not an investment
              company and therefore we are not registered as an investment company under the Investment Company Act of 1940, as amended, and the protections provided by this Act are not applicable to the guarantees we provide. The Separate Account is,
              however, registered as an investment company. Any allocations you make to an Index Option are not part of the Separate Account. Allianz Life of New York is not an investment adviser and so is not subject to the Investment Advisers Act of
              1940, and does not provide investment advice to you in connection with your Contract. </div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;"> Your Contract is registered in accordance with
              the Securities Act of 1933 and the offering of the Contract must be conducted in accordance with the requirements of this Act. In addition, the offer and sale of the Contract is subject to the provisions of the Securities Exchange Act of
              1934. </div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;"> The Contract is filed with and approved by New
              York. State insurance laws provide a variety of regulatory protections. </div>
          <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:2pt solid #000000;height:2pt;width:100%;">
          <div style="color:#000000;font-family:Arial;font-size:11pt;font-style:Normal;font-weight:Normal;line-height:13pt;margin-top:5pt;text-align:left;text-decoration:none;text-transform:lowercase;">1.<font style="text-transform:uppercase;">&#160;&#160;The
              Contract</font></div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-bottom:2pt;margin-top:2pt;text-align:left;text-decoration:none;text-transform:none;"> An annuity is a contract
              between you as the Owner, and an insurance company (in this case Allianz Life of New York), where you make payments to us and we invest that money in the Allocation Options you select. Depending on market conditions, your Contract may gain or
              lose value based on the returns of your selected Allocation Options. When you are ready to take money out, we make payments to you according to your instructions and any restrictions associated with the payment option you select that is
              described in this prospectus. Other than to add benefits that are beneficial to you, we do not make any changes to your Contract without your permission except as may be required by law. </div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;">The Contract has an Accumulation Phase and an
            Annuity Phase.</div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-bottom:2pt;margin-top:2pt;text-align:left;text-decoration:none;text-transform:none;"> The <font style="font-style:italic;font-weight:bold;"> Accumulation Phase </font> is the first phase of your Contract, and it begins on the Issue Date. During the Accumulation Phase, we invest your money in the Allocation Options you select on
              a tax-deferred basis. Tax deferral may not be available for certain non-individually owned contracts. Tax deferral means you are not taxed on any earnings or appreciation on the assets in your Contract until you take money out of your
              Contract. (For more information, see section 11, Taxes.) </div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;">During the Accumulation Phase you can take
            withdrawals (subject to any withdrawal charge) and you can make additional Purchase Payments subject to the restrictions set out in section 3, Purchase Requirements.</div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;">The Accumulation Phase ends upon the earliest of
            the following.</div>
          <div style="text-align:left;">
            <table cellspacing="0" cellpadding="2" id="z293f76b3cf964a83b76f2d552f4567e5" style="border-collapse:collapse;empty-cells:show;margin-top:3pt;width:100%;">

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                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;">&#8226;
                  </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;">The Business Day before the Annuity Date.
                  </td>
                </tr>
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                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-bottom:0pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:2.83%;">&#8226;
                  </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-bottom:0pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;width:97.17%;">The Business Day we process your request for a full withdrawal.
                  </td>
                </tr>

            </table>
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          <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:0.5pt solid #000000;height:0.5pt;width:100%;">
          <div style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:13pt;margin-bottom:2pt;margin-top:2pt;text-align:center;text-decoration:none;text-transform:none;"> Allianz Index Advantage <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#174; </sup> New York Variable Annuity Prospectus &#8211; April 29, 2022 </div>
        </div>
        <div type="Block" style="margin-top:4pt;width:100%;">
          <div style="color:#000000;font-family:Arial;font-size:9pt;font-style:Normal;font-weight:bold;line-height:12pt;text-align:center;text-decoration:none;text-transform:none;">&#160;28&#160;</div>
        </div>
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      </div>
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      </p>
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        <div style="font-family:Arial;font-size:7pt;line-height:10pt;font-weight:Normal;text-transform:none;text-align:left;vertical-align:bottom;padding-bottom:10pt;">
          <a href="#JOB_Index_3271f810-de27-47d4-9b4d-756928a3a1d0_va-toc">
            Table of Contents
          </a>
        </div>
        <div type="Block" style="width:100%;">
          <div style="text-align:left;">
            <table cellspacing="0" cellpadding="0" id="z5666bf3011dc45549bcc73aa5521eb49" style="border-collapse:collapse;empty-cells:show;margin-top:2pt;width:100%;">

                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;">&#8226;
                  </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;">Upon the death of any Owner (or the Annuitant if the Owner is a non-individual), the Business Day we first receive a Valid Claim from any one Beneficiary, unless the surviving spouse/Beneficiary continues the Contract. If
                    there are multiple Beneficiaries, the remaining Contract Value continues to fluctuate with the performance of the Allocation Options until the complete distribution of the death benefit. A <font style="font-weight:bold;">Valid Claim</font>
                    is the documents we require to be received in Good Order at our Service Center before we pay any death claim.
                  </td>
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            </table>
          </div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:9pt;text-align:left;text-decoration:none;text-transform:none;">If you request Annuity Payments, the Accumulation
            Phase of your Contract ends and you enter the <font style="font-style:italic;font-weight:bold;">Annuity Phase</font>. During the Annuity Phase we make regular fixed periodic Annuity Payments based on the life of the Annuitant(s), or life and
            term certain. We send Annuity Payments to the <font style="font-weight:bold;">Payee</font> (the person or entity who receives Annuity Payments during the Annuity Phase). You can choose when Annuity Payments begin, subject to certain
            restrictions. We base Annuity Payments on your Contract Value and the payout rates for the Annuity Option you select. Your Annuity Payments do not change unless an Annuitant dies. The Annuity Phase ends when we make the last Annuity Payment
            under your selected Annuity Option. For more information, see section 8, The Annuity Phase.</div>
          <div style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:uppercase;">Financial Adviser Fees</div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-bottom:2pt;margin-top:2pt;text-align:left;text-decoration:none;text-transform:none;"> If you have a financial
              adviser and want to take a withdrawal from this Contract to pay your financial adviser fee, you can submit a written request to our Service Center by completing our third party money management customer authorization of transfer form and fee
              redemption authorization form. If we approve your request, we withdraw the requested fees and pay them to your Financial Professional or Financial Professional&#8217;s firm as instructed. The fee redemption authorization is an agreement between
              you, your Financial Professional, and/or the Financial Professional's firm. The agreement authorizes us to deduct financial adviser fees from the Contract and send them to the Financial Professional or the Financial Professional's firm upon
              written request. You can terminate this agreement at any time by providing us written notice. We retain the right to request an updated fee redemption authorization form at any time. </div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;"> The Financial Professional or Financial
              Professional&#8217;s Firm requests each fee payment by submitting a letter of instruction that includes the fee amount. <font style="font-weight:bold;"> We treat this fee payment as a withdrawal which means a withdrawal charge, federal and
                state income taxes, and a 10% additional federal tax if you are under age 59 <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#160;1 </sup> &#8260; </font><font style="font-size:6pt;font-weight:bold;line-height:8pt;"> 2 </font><font style="font-weight:bold;"> may apply, and the amount of Contract Value available for withdrawal may be affected by the Daily Adjustment </font><font style="font-style:italic;font-weight:bold;"> (which can be negative). </font><font style="font-weight:bold;"> </font> We deduct financial adviser fees (including any withdrawal charge) proportionately from each Allocation Option unless you provide us with alternate instructions. This withdrawal reduces the Contract Value
              and the amount available under the free withdrawal privilege by the dollar amount withdrawn. It may also reduce your Contract's Guaranteed Death Benefit Value proportionately by the percentage of Contract Value withdrawn, which may reduce
              this value <font style="font-style:italic;font-weight:bold;"> by more than the amount withdrawn and these reductions could be significant. </font> If this is a Non-Qualified Contract, a withdrawal will be a taxable withdrawal to
              the extent that gain exists within the Contract. Financial adviser fees paid from an IRA Contract will not be treated as a taxable withdrawal as long as the annuity contract is solely liable for the payment of the financial adviser fee. You
              should consult a tax adviser regarding the tax treatment of financial adviser fee payments. <font style="font-style:italic;font-weight:bold;"> Please consult with your Financial Professional before requesting us to pay financial
                adviser fees from this Contract compared to other assets you may have. </font></div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;"> Your financial adviser acts on your behalf,
              not ours. We are not party to any agreement between you and your financial adviser, nor are we responsible for your financial adviser&#8217;s actions. We do not verify that withdrawals for financial adviser fees align with the terms of your
              agreement with your financial adviser. We do not set your financial adviser fee or receive any part of it. Any withdrawals for financial adviser fees you pay is in addition to this Contract&#8217;s fees and expenses. We pay sales commissions to the
              selling firms and their Financial Professionals. The maximum commission payable to the selling firms for Contract sales is expected to not exceed 7% of Purchase Payments. Sometimes, we enter into an agreement with a selling firm to pay
              commissions as a combination of a certain amount of the commission at the time of sale and a trail commission which, when totaled, could exceed 7% of Purchase Payments. Financial Professionals and their managers may also be eligible for
              various benefits such as production incentive bonuses, insurance benefits, and non-cash compensation items that we may provide jointly with our principal underwriter, Allianz Life Financial Services, LLC. You should ask your financial adviser
              about compensation they receive for this Contract. Allianz Life of New York is not an investment adviser, and does not provide investment advice in connection with sales of the Contract. We are not a fiduciary to you, and do not make
              recommendations or assess suitability. </div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;">You can submit a written request to our Service
            Center on a form satisfactory to us to allow your financial adviser to make Allocation Option transfers and allocation changes on your behalf. However, we reserve the right to review a financial adviser&#8217;s trading history before allowing him or
            her to make transfers. If, in our sole discretion, we believe the financial</div>
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          <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:0.5pt solid #000000;height:0.5pt;width:100%;">
          <div style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:13pt;margin-bottom:2pt;margin-top:2pt;text-align:center;text-decoration:none;text-transform:none;"> Allianz Index Advantage <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#174; </sup> New York Variable Annuity Prospectus &#8211; April 29, 2022 </div>
        </div>
        <div type="Block" style="margin-top:4pt;width:100%;">
          <div style="color:#000000;font-family:Arial;font-size:9pt;font-style:Normal;font-weight:bold;line-height:12pt;text-align:center;text-decoration:none;text-transform:none;">&#160;29&#160;</div>
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      </div>
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          <a href="#JOB_Index_3271f810-de27-47d4-9b4d-756928a3a1d0_va-toc">
            Table of Contents
          </a>
        </div>
        <div type="Block" style="width:100%;">
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;text-align:left;text-decoration:none;text-transform:none;">adviser&#8217;s trading history indicates excessive trading, we can
            deny your request. If we approve it, your financial adviser is subject to the same trading restrictions that apply to Owners. We can deny or revoke trading authority in our sole discretion.</div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;margin-bottom:2pt;margin-top:2pt;text-align:left;text-decoration:none;text-transform:none;"> Financial Adviser Fee
              Deduction Example </div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;"> These calculations show the effects of
              withdrawing financial adviser fees on the Contract Value and available Guaranteed Death Benefit Value. These withdrawals (including any withdrawal charges) immediately reduce the Contract Value on a dollar for dollar basis, and reduce the
              Traditional Death Benefit&#8217;s Guaranteed Death Benefit Value by the percentage of Contract Value withdrawn. </div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;"> The example assumes a withdrawal of $5,000
              once per year on days that are not Index Anniversaries to pay financial adviser fees starting when the Contract Value is $100,000, and the Guaranteed Death Benefit Value under the Traditional Death Benefit is $90,000. The first withdrawal
              assumes that there is no amount remaining under the partial withdrawal privilege for that year, so that withdrawal is subject to an 8.5% withdrawal charge. Subsequent withdrawals are all taken under the partial withdrawal privilege. All
              fractional numbers in these examples have been rounded up to the next whole number. All Contract Value figures reflect the Daily Adjustment. </div>
          <div style="text-align:center;">
            <table cellspacing="0" cellpadding="0" id="z3c2393f7206b4dd698217d7ec38412bf" style="border-collapse:collapse;empty-cells:show;margin-left:auto;margin-right:auto;margin-top:6pt;width:98.99%;">

                <tr style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;padding-bottom:2.5pt;padding-left:4pt;padding-right:3pt;padding-top:4pt; text-align:left;text-decoration:none;text-transform:none;vertical-align:bottom;width:35.50%;"> Financial Adviser Fee <br>

                      Withdrawal
                    </td>
                  <td style="line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:4pt;text-align:left;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;padding-bottom:2.5pt;padding-left:3pt;padding-right:3pt;padding-top:4pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:17.02%;"> Contract <br>

                      Value
                    </td>
                  <td style="line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:4pt;text-align:center;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;padding-bottom:2.5pt;padding-left:3pt;padding-right:4pt;padding-top:4pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:43.47%;"> Traditional Death Benefit&#8217;s Guaranteed Death Benefit
                    </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:4pt;padding-right:3pt;padding-top:2pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:35.50%;"> Prior to 1 <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> st </sup> years withdrawal
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:2pt;text-align:left;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:3pt;padding-right:3pt;padding-top:2pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;width:17.02%;"> $ 100,000
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:2pt;text-align:center;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:3pt;padding-right:4pt;padding-top:2pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;width:43.47%;"> $ 90,000
                    </td>
                </tr>
                <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:4pt;padding-right:3pt;padding-top:1.25pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:35.50%;"> $5,000 withdrawal (subject to an
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:1.25pt;text-align:left;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:17.02%;"> &#160;
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td style="line-height:0pt;padding-right:4pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:43.47%;"> &#160;
                    </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-bottom:2.5pt;padding-left:4pt;padding-right:3pt;padding-top:1.25pt;text-align:left; text-decoration:none;text-transform:none;vertical-align:top;width:35.50%;"> 8.5% withdrawal charge)
                    </td>
                  <td style="line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:1.25pt;text-align:left;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-bottom:2.5pt;padding-left:3pt;padding-right:3pt; padding-top:1.25pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;width:17.02%;"> &#8211; [($5,000 &#247; (1 &#8211; 8.5%)]
                    </td>
                  <td style="line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td style="line-height:0pt;padding-bottom:2.5pt;padding-right:4pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:43.47%;"> &#160;
                    </td>
                </tr>
                <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-bottom:2.5pt;padding-left:4pt;padding-right:3pt;padding-top:2pt;text-align:left; text-decoration:none;text-transform:none;vertical-align:top;width:35.50%;"> Amount withdrawn
                    </td>
                  <td style="line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:2pt;text-align:left;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-bottom:2.5pt;padding-left:3pt;padding-right:3pt; padding-top:2pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;width:17.02%;"> &#8211; $5,465
                    </td>
                  <td style="line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:2pt;text-align:center;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-bottom:2.5pt;padding-left:3pt;padding-right:4pt; padding-top:2pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;width:43.47%;"> &#8211; [($5,465 &#247; 100,000) x 90,000]
                    </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:2pt;text-align:left;vertical-align:top;width:35.50%;"> &#160;
                    </td>
                  <td style="line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:2pt;text-align:left;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td style="line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:2pt;text-align:center;vertical-align:top;width:17.02%;"> &#160;
                    </td>
                  <td style="line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:2pt;text-align:center;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-bottom:2.5pt;padding-left:3pt;padding-right:4pt; padding-top:2pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;width:43.47%;"> = - $4,919
                    </td>
                </tr>
                <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:4pt;padding-right:3pt;padding-top:2pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:35.50%;"> After 1 <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> st </sup> years withdrawal
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:2pt;text-align:left;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:3pt;padding-right:3pt;padding-top:2pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;width:17.02%;"> $ 94,535
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:2pt;text-align:center;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:3pt;padding-right:4pt;padding-top:2pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;width:43.47%;"> $ 85,081
                    </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="padding-right:3pt;padding-top:1.25pt;text-align:left;vertical-align:top;width:35.50%;"> &#160;
                    </td>
                  <td style="padding-right:3pt;padding-top:1.25pt;text-align:left;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td style="padding-right:3pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:17.02%;"> &#160;
                    </td>
                  <td style="padding-right:3pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td style="padding-right:4pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:43.47%;"> &#160;
                    </td>
                </tr>
                <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:4pt;padding-right:3pt;padding-top:1.25pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:35.50%;"> Prior to 2 <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> nd </sup> years withdrawal
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:1.25pt;text-align:left;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:3pt;padding-right:3pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;width:17.02%;"> $ 97,000
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:3pt;padding-right:4pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;width:43.47%;"> $ 85,081
                    </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:4pt;padding-right:3pt;padding-top:1.25pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:35.50%;"> $5,000 withdrawal (not subject to a
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:1.25pt;text-align:left;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:17.02%;"> &#160;
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td style="line-height:0pt;padding-right:4pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:43.47%;"> &#160;
                    </td>
                </tr>
                <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-bottom:2.5pt;padding-left:4pt;padding-right:3pt;padding-top:1.25pt;text-align:left; text-decoration:none;text-transform:none;vertical-align:top;width:35.50%;"> withdrawal charge)
                    </td>
                  <td style="line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:1.25pt;text-align:left;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-bottom:2.5pt;padding-left:3pt;padding-right:3pt; padding-top:1.25pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;width:17.02%;"> &#8211; $5,000
                    </td>
                  <td style="line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-bottom:2.5pt;padding-left:3pt;padding-right:4pt; padding-top:1.25pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;width:43.47%;"> &#8211; [($5,000 &#247; 97,000) x 85,081]
                    </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:2pt;text-align:left;vertical-align:top;width:35.50%;"> &#160;
                    </td>
                  <td style="line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:2pt;text-align:left;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td style="line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:2pt;text-align:center;vertical-align:top;width:17.02%;"> &#160;
                    </td>
                  <td style="line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:2pt;text-align:center;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-bottom:2.5pt;padding-left:3pt;padding-right:4pt; padding-top:2pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;width:43.47%;"> = - $4,386
                    </td>
                </tr>
                <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:4pt;padding-right:3pt;padding-top:2pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:35.50%;"> After 2 <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> nd </sup> years withdrawal
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:2pt;text-align:left;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:3pt;padding-right:3pt;padding-top:2pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;width:17.02%;"> $ 92,000
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:2pt;text-align:center;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:3pt;padding-right:4pt;padding-top:2pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;width:43.47%;"> $ 80,695
                    </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="padding-right:3pt;padding-top:1.25pt;text-align:left;vertical-align:top;width:35.50%;"> &#160;
                    </td>
                  <td style="padding-right:3pt;padding-top:1.25pt;text-align:left;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td style="padding-right:3pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:17.02%;"> &#160;
                    </td>
                  <td style="padding-right:3pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td style="padding-right:4pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:43.47%;"> &#160;
                    </td>
                </tr>
                <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:4pt;padding-right:3pt;padding-top:1.25pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:35.50%;"> Prior to 3 <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> rd </sup> years withdrawal
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:1.25pt;text-align:left;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:3pt;padding-right:3pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;width:17.02%;"> $ 80,0000
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:3pt;padding-right:4pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;width:43.47%;"> $ 80,695
                    </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:4pt;padding-right:3pt;padding-top:1.25pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:35.50%;"> $5,000 withdrawal (not subject to a
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:1.25pt;text-align:left;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:17.02%;"> &#160;
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td style="line-height:0pt;padding-right:4pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:43.47%;"> &#160;
                    </td>
                </tr>
                <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-bottom:2.5pt;padding-left:4pt;padding-right:3pt;padding-top:1.25pt;text-align:left; text-decoration:none;text-transform:none;vertical-align:top;width:35.50%;"> withdrawal charge)
                    </td>
                  <td style="line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:1.25pt;text-align:left;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-bottom:2.5pt;padding-left:3pt;padding-right:3pt; padding-top:1.25pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;width:17.02%;"> &#8211; $5,000
                    </td>
                  <td style="line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-bottom:2.5pt;padding-left:3pt;padding-right:4pt; padding-top:1.25pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;width:43.47%;"> &#8211; [($5,000 &#247; 80,000) x 80,695]
                    </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:2pt;text-align:left;vertical-align:top;width:35.50%;"> &#160;
                    </td>
                  <td style="line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:2pt;text-align:left;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td style="line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:2pt;text-align:center;vertical-align:top;width:17.02%;"> &#160;
                    </td>
                  <td style="line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:2pt;text-align:center;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-bottom:2.5pt;padding-left:3pt;padding-right:4pt; padding-top:2pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;width:43.47%;"> = - $5,044
                    </td>
                </tr>
                <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-bottom:4pt;padding-left:4pt;padding-right:3pt;padding-top:2pt;text-align:left; text-decoration:none;text-transform:none;vertical-align:top;width:35.50%;"> After 3 <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> rd </sup> years withdrawal
                    </td>
                  <td style="line-height:0pt;padding-bottom:4pt;padding-right:3pt;padding-top:2pt;text-align:left;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-bottom:4pt;padding-left:3pt;padding-right:3pt;padding-top:2pt;text-align:center; text-decoration:none;text-transform:none;vertical-align:top;width:17.02%;"> $ 75,000
                    </td>
                  <td style="line-height:0pt;padding-bottom:4pt;padding-right:3pt;padding-top:2pt;text-align:center;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-bottom:4pt;padding-left:3pt;padding-right:4pt;padding-top:2pt;text-align:center; text-decoration:none;text-transform:none;vertical-align:top;width:43.47%;"> $ 75,651
                    </td>
                </tr>

            </table>
          </div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-bottom:2pt;margin-top:2pt;text-align:left;text-decoration:none;text-transform:none;"> The death benefit is the
              greater of the Contract Value, or the Guaranteed Death Benefit Value, so the death benefit would be: </div>
          <div style="text-align:left;">
            <table cellspacing="0" cellpadding="2" id="z29d923b1c9644e06aae6c598b10634a5" style="border-collapse:collapse;empty-cells:show;margin-top:3pt;width:100%;">

                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;"> &#8226;
                    </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;"> $94,535 Contract Value after the first adviser fee.
                    </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;"> &#8226;
                    </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;"> $92,000 Contract Value after the second adviser fee.
                    </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-bottom:0pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:2.83%;"> &#8226;
                    </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-bottom:0pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;width:97.17%;"> $75,651 Guaranteed Death Benefit Value after the third adviser fee.
                    </td>
                </tr>

            </table>
          </div>
          <div style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;margin-top:12pt;text-align:left;text-decoration:none;text-transform:uppercase;">When the Contract Ends</div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;">The Contract ends when:</div>
          <div style="text-align:left;">
            <table cellspacing="0" cellpadding="2" id="z8ebcfbb7c72e4c80a0bb842f4ca1a4ed" style="border-collapse:collapse;empty-cells:show;margin-top:2pt;width:100%;">

                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;">&#8226;
                  </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;">all applicable phases of the Contract (Accumulation Phase and/or Annuity Phase) have ended, and/or
                  </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-bottom:0pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:2.83%;">&#8226;
                  </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-bottom:0pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;width:97.17%;">if we received a Valid Claim, all applicable death benefit payments have been made.
                  </td>
                </tr>

            </table>
          </div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;margin-top:9pt;text-align:left;text-decoration:none;text-transform:none;">For example, if you take a full withdrawal of the
            total Contract Value, both the Accumulation Phase and the Contract end even though the Annuity Phase never began and we did not make any death benefit payments.</div>
        </div>
        <div type="Block" style="margin-top:29pt;width:100%;">
          <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:0.5pt solid #000000;height:0.5pt;width:100%;">
          <div style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:13pt;margin-bottom:2pt;margin-top:2pt;text-align:center;text-decoration:none;text-transform:none;"> Allianz Index Advantage <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#174; </sup> New York Variable Annuity Prospectus &#8211; April 29, 2022 </div>
        </div>
        <div type="Block" style="margin-top:4pt;width:100%;">
          <div style="color:#000000;font-family:Arial;font-size:9pt;font-style:Normal;font-weight:bold;line-height:12pt;text-align:center;text-decoration:none;text-transform:none;">&#160;30&#160;</div>
        </div>
      </div>
      <div style="clear:both;font-size:12pt;height:0pt;">
      </div>
      <hr style="margin-bottom:0pt;">
      <p style="margin:0pt;page-break-before:always;">&#160;
      </p>
      <div style="width:100%;">
        <a name="xx_f7d8855a-293d-4d8e-a067-19a772794dc6_17">
        </a>
        <div style="font-family:Arial;font-size:7pt;line-height:10pt;font-weight:Normal;text-transform:none;text-align:left;vertical-align:bottom;padding-bottom:10pt;">
          <a href="#JOB_Index_3271f810-de27-47d4-9b4d-756928a3a1d0_va-toc">
            Table of Contents
          </a>
        </div>
        <div type="Block" style="width:100%;">
          <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:2pt solid #000000;height:2pt;width:100%;">
          <div style="color:#000000;font-family:Arial;font-size:11pt;font-style:Normal;font-weight:Normal;line-height:13pt;margin-top:5pt;text-align:left;text-decoration:none;text-transform:lowercase;">2.<font style="text-transform:uppercase;">&#160;&#160;Ownership,
              Annuitant, Determining Life, Beneficiary, and Payee</font></div>
          <div style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:uppercase;">Owner</div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;">The Owner designated at Contract issue has all
            the rights under the Contract. The Owner may be an individual, or a non-individual (e.g. a trust, tax-exempt entity, or corporation). Qualified Contracts and non-individually owned Contracts can only have one Owner. A <font style="font-weight:bold;">Qualified Contract</font> is purchased under a pension or retirement plan that qualifies for special tax treatment under sections of the Code.</div>
          <div style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:uppercase;">Joint Owner</div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;">A Non-Qualified Contract can be owned by up to
            two individual Owners <font style="font-weight:bold;">(Joint Owners)</font>. We generally require the signature of both Joint Owners on any forms that are submitted to our Service Center.</div>
          <div style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:uppercase;">Annuitant</div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;">The Annuitant is the individual on whose life we
            base Annuity Payments. Subject to our approval, you designate an Annuitant when you purchase a Contract. For Qualified Contracts, before the Annuity Date the Owner must be the Annuitant unless the Contract is owned by a qualified plan or is
            part of a custodial arrangement. You can change the Annuitant on an individually owned Non-Qualified Contract at any time before the Annuity Date. <font style="font-style:italic;font-weight:bold;">You cannot change the Annuitant if the Owner
              is a non-individual</font>. Subject to our approval, you can add a joint Annuitant on the Annuity Date. For Qualified Contracts, the ability to add a joint Annuitant is subject to any plan requirements associated with the Contract. For
            individually owned Contracts, if the Annuitant who is not an Owner dies before the Annuity Date, the sole Owner (or younger Joint Owner) automatically becomes the new Annuitant, but the Owner can subsequently name another Annuitant.</div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:bold;line-height:13pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;">Designating different persons as Owner(s) and
            Annuitant(s) can have important impacts on whether a death benefit is paid, and on who receives it as indicated below<font style="font-weight:Normal;">. For more examples, please see the Appendix A to the Form N-4 SAI. </font>Use care when
            designating Owners and Annuitants, and consult your Financial Professional if you have questions<font style="font-weight:Normal;">.</font></div>
        </div>
        <div type="Block" style="margin-top:365pt;width:100%;">
          <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:0.5pt solid #000000;height:0.5pt;width:100%;">
          <div style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:13pt;margin-bottom:2pt;margin-top:2pt;text-align:center;text-decoration:none;text-transform:none;"> Allianz Index Advantage <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#174; </sup> New York Variable Annuity Prospectus &#8211; April 29, 2022 </div>
        </div>
        <div type="Block" style="margin-top:4pt;width:100%;">
          <div style="color:#000000;font-family:Arial;font-size:9pt;font-style:Normal;font-weight:bold;line-height:12pt;text-align:center;text-decoration:none;text-transform:none;">&#160;31&#160;</div>
        </div>
      </div>
      <div style="clear:both;font-size:12pt;height:0pt;">
      </div>
      <hr style="margin-bottom:0pt;">
      <p style="margin:0pt;page-break-before:always;">&#160;
      </p>
      <div style="width:100%;">
        <a name="xx_f7d8855a-293d-4d8e-a067-19a772794dc6_18">
        </a>
        <div style="font-family:Arial;font-size:7pt;line-height:10pt;font-weight:Normal;text-transform:none;text-align:left;vertical-align:bottom;padding-bottom:10pt;">
          <a href="#JOB_Index_3271f810-de27-47d4-9b4d-756928a3a1d0_va-toc">
            Table of Contents
          </a>
        </div>
        <div type="Block" style="width:100%;">
          <div style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;margin-top:6pt;text-align:center;text-decoration:none;text-transform:uppercase;">Upon the Death of a Sole Owner<br>
          </div>
          <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:0.5pt solid #000000;height:0.5pt;width:100%;">
        </div>
        <div style="margin-top:10.5pt;">
          <div type="Block" style="float:left;overflow:hidden;position:relative;width:48.40%;">
            <div style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;text-align:center;text-decoration:none;text-transform:none;">Action if the Contract is in the Accumulation Phase</div>
            <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:0.5pt solid #000000;height:0.5pt;width:100%;">
            <div style="text-align:left;">
              <table cellspacing="0" cellpadding="2" id="zbe620dfcdd6d4ab5a399db2c17e2a180" style="border-collapse:collapse;empty-cells:show;margin-top:8.5pt;width:100%;">

                  <tr style="page-break-inside:avoid;">
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:5.88%;">&#8226;
                    </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:94.12%;">We pay a death benefit to the Beneficiary unless the Beneficiary is the surviving spouse and continues the Contract.
                    </td>
                  </tr>
                  <tr style="page-break-inside:avoid;">
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-bottom:0pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:5.88%;">&#8226;
                    </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-bottom:0pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;width:94.12%;">If the deceased Owner was a Determining Life and the surviving spouse Beneficiary continues the Contract:
                    </td>
                  </tr>

              </table>
            </div>
            <div style="text-align:left;">
              <table cellspacing="0" cellpadding="0" id="ze4638572ad8e488690449e17d25989cb" style="border-collapse:collapse;empty-cells:show;margin-left:5.88%;margin-top:2pt;width:94.12%;">

                  <tr style="page-break-inside:avoid;">
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:6.25%;"> &#8211;&#8194;
                      </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:93.75%;"> we increase the Contract Value to equal the Guaranteed Death Benefit Value if greater and available, and the death benefit ends,
                      </td>
                  </tr>

              </table>
            </div>
            <div style="text-align:left;">
              <table cellspacing="0" cellpadding="2" id="zd313a2409453463ab03311fe02140992" style="border-collapse:collapse;empty-cells:show;margin-left:5.88%;margin-top:2pt;width:94.12%;">

                  <tr style="page-break-inside:avoid;">
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:6.25%;">&#8211;&#8194;
                    </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:93.75%;">the surviving spouse becomes the new Owner,
                    </td>
                  </tr>
                  <tr style="page-break-inside:avoid;">
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:6.25%;">&#8211;&#8194;
                    </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:93.75%;">the Accumulation Phase continues, and
                    </td>
                  </tr>
                  <tr style="page-break-inside:avoid;">
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-bottom:0pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:6.25%;">&#8211;&#8194;
                    </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-bottom:0pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;width:93.75%;">upon the surviving spouse&#8217;s death, his or her Beneficiary(s) receives the Contract Value.
                    </td>
                  </tr>

              </table>
            </div>
            <div style="text-align:left;">
              <table cellspacing="0" cellpadding="0" id="zefbb69958caf478aaf62cbc626f98db4" style="border-collapse:collapse;empty-cells:show;margin-top:2pt;width:100%;">

                  <tr style="page-break-inside:avoid;">
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:5.88%;">&#8226;
                    </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:94.12%;">If the deceased Owner was not a Determining Life, the Traditional Death Benefit is not available and the Beneficiary(s) receives the Contract Value.
                    </td>
                  </tr>

              </table>
            </div>
          </div>
          <div type="Block" style="float:right;overflow:hidden;position:relative;width:48.40%;">
            <div style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;text-align:center;text-decoration:none;text-transform:none;">Action if the Contract is in the Annuity Phase</div>
            <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:0.5pt solid #000000;height:0.5pt;width:100%;">
            <div style="text-align:left;">
              <table cellspacing="0" cellpadding="2" id="z271d71e15f2e44468eaeb6a640fb27ba" style="border-collapse:collapse;empty-cells:show;margin-top:8.5pt;width:100%;">

                  <tr style="page-break-inside:avoid;">
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:5.88%;">&#8226;
                    </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:94.12%;">The Beneficiary becomes the Payee. If we are still required to make Annuity Payments under the selected Annuity Option, the Beneficiary also becomes the new Owner.
                    </td>
                  </tr>
                  <tr style="page-break-inside:avoid;">
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:5.88%;">&#8226;
                    </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:94.12%;">If the deceased was not an Annuitant, Annuity Payments to the Payee continue. No death benefit is payable.
                    </td>
                  </tr>
                  <tr style="page-break-inside:avoid;">
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-bottom:0pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:5.88%;">&#8226;
                    </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-bottom:0pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;width:94.12%;">If the deceased was the only surviving Annuitant, Annuity Payments end or continue as follows.
                    </td>
                  </tr>

              </table>
            </div>
            <div style="text-align:left;">
              <table cellspacing="0" cellpadding="2" id="zc086711d14494f5b97161523c41272c0" style="border-collapse:collapse;empty-cells:show;margin-left:5.88%;margin-top:2pt;width:94.12%;">

                  <tr style="page-break-inside:avoid;">
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:6.25%;">&#8211;&#8194;
                    </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:93.75%;">Annuity Option 1 or 3, payments end.
                    </td>
                  </tr>
                  <tr style="page-break-inside:avoid;">
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:6.25%;">&#8211;&#8194;
                    </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:93.75%;">Annuity Option 2 or 4, payments end when the guaranteed period ends.
                    </td>
                  </tr>
                  <tr style="page-break-inside:avoid;">
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-bottom:0pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:6.25%;">&#8211;&#8194;
                    </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-bottom:0pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;width:93.75%;">Annuity Option 5, payments end and the Payee may receive a lump sum refund.
                    </td>
                  </tr>

              </table>
            </div>
            <div style="text-align:left;">
              <table cellspacing="0" cellpadding="0" id="z0d06aac2c7454f7fa93a7da525667cee" style="border-collapse:collapse;empty-cells:show;margin-left:5.88%;margin-top:2pt;width:94.12%;">

                  <tr style="page-break-inside:avoid;">
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:6.25%;"> &#8211;&#8194;
                      </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:93.75%;"> For more information on Annuity Options, please see section 8.
                      </td>
                  </tr>

              </table>
            </div>
            <div style="text-align:left;">
              <table cellspacing="0" cellpadding="0" id="z37779466f37b44d2af8c92d610814135" style="border-collapse:collapse;empty-cells:show;margin-top:2pt;width:100%;">

                  <tr style="page-break-inside:avoid;">
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:5.88%;">&#8226;
                    </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:94.12%;">If the deceased was an Annuitant and there is a surviving joint Annuitant, Annuity Payments to the Payee continue during the lifetime of the surviving joint Annuitant. No death benefit is payable.
                    </td>
                  </tr>

              </table>
            </div>
          </div>
        </div>
        <div style="clear:both;">&#160;
          <div type="Block" style="clear:both;padding-top:11pt;width:100%;">
            <div style="clear:both;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:uppercase;">Determining Life (Lives)</div>
            <div style="clear:both;color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-bottom:2pt;margin-top:2pt;text-align:left;text-decoration:none;text-transform:none; "> The Determining Life (Lives) are the individuals on whose life we base the Guaranteed Death Benefit Value provided by the Traditional Death Benefit. We establish the Determining Life (Lives) at Contract issue. For an individually owned
                Contract the Determining Life (Lives) are the Owner(s). For a non-individually owned Contract the Determining Life is the Annuitant. After the Issue Date the Determining Life (Lives) only change if: </div>
            <div style="text-align:left;">
              <table cellspacing="0" cellpadding="2" id="zb0d18597476547968f0c504203587439" style="border-collapse:collapse;empty-cells:show;margin-top:3pt;width:100%;">

                  <tr style="page-break-inside:avoid;">
                    <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;"> &#8226;
                      </td>
                    <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;"> you remove a Joint Owner due to divorce, then we also remove that person as a Determining Life, or
                      </td>
                  </tr>
                  <tr style="page-break-inside:avoid;">
                    <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-bottom:0pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:2.83%;"> &#8226;
                      </td>
                    <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-bottom:0pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;width:97.17%;"> you establish a jointly owned Non-Qualified Contract and change ownership to a Trust, then we remove the prior Owner who is not the Annuitant as a Determining Life.
                      </td>
                  </tr>

              </table>
            </div>
            <div style="clear:both;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;margin-top:12pt;text-align:left;text-decoration:none;text-transform:uppercase; ">Beneficiary</div>
            <div style="clear:both;color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;">The Beneficiary is the person(s) or
              entity you designate to receive any death benefit. You can change the Beneficiary or contingent Beneficiary at any time before your death unless you name an irrevocable Beneficiary. If a Beneficiary dies before you, or you and a Beneficiary
              die simultaneously, that Beneficiary&#8217;s interest in this Contract ends unless your Beneficiary designation specifies otherwise. You and a Beneficiary are deemed to have died simultaneously if it is not established by clear and convincing
              evidence that either you or the Beneficiary survived the other by 120 hours. If there are no surviving Beneficiaries or if there is no named Beneficiary, we pay the death benefit to your estate or the Owner if the Owner is a non-individual.</div>
            <div style="text-align:center;">
              <table cellspacing="0" cellpadding="0" id="zfb515c37efab42a7a6b9245c8a08f8d4" style="border-bottom:0.5pt solid #000000;border-collapse:collapse;border-top:0.5pt solid #000000;empty-cells:show;margin-left:auto;margin-right:auto;margin-top:9pt;width:99.60%;">

                  <tr style="page-break-inside:avoid;">
                    <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;line-height:12pt;padding-bottom:4pt;padding-left:4pt;padding-right:4pt;padding-top:4pt;text-align:left; text-decoration:none;text-transform:none;vertical-align:top;width:100%;">FOR JOINTLY OWNED CONTRACTS:<font style="font-style:Normal;font-weight:Normal;"> The sole primary Beneficiary is the surviving Joint Owner regardless of any
                        other named primary Beneficiaries. If both Joint Owners die simultaneously, we pay the death benefit to the named contingent Beneficiaries or equally to the estate of the Joint Owners if there are no named contingent Beneficiaries.</font>
                    </td>
                  </tr>

              </table>
            </div>
            <div style="clear:both;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;margin-top:12pt;text-align:left;text-decoration:none;text-transform:uppercase;">Payee</div>
            <div style="clear:both;color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;">The Payee is the person or entity
              who receives Annuity Payments during the Annuity Phase. The Owner receives tax reporting on those payments. Generally we require the Payee to be an Owner. However, you can name a charitable trust, financial institution, qualified plan, or an
              individual specified in a court order as a Payee. For Qualified Contracts owned by a qualified plan, the qualified plan must be the Payee.</div>
          </div>
        </div>
        <div type="Block" style="padding-top:50pt;width:100%;">
          <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:0.5pt solid #000000;height:0.5pt;width:100%;">
          <div style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:13pt;margin-bottom:2pt;margin-top:2pt;text-align:center;text-decoration:none;text-transform:none;"> Allianz Index Advantage <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#174; </sup> New York Variable Annuity Prospectus &#8211; April 29, 2022 </div>
        </div>
        <div type="Block" style="margin-top:4pt;width:100%;">
          <div style="color:#000000;font-family:Arial;font-size:9pt;font-style:Normal;font-weight:bold;line-height:12pt;text-align:center;text-decoration:none;text-transform:none;">&#160;32&#160;</div>
        </div>
      </div>
      <div style="clear:both;font-size:12pt;height:0pt;">
      </div>
      <hr style="margin-bottom:0pt;">
      <p style="margin:0pt;page-break-before:always;">&#160;
      </p>
      <div style="width:100%;">
        <a name="xx_f7d8855a-293d-4d8e-a067-19a772794dc6_19">
        </a>
        <div style="font-family:Arial;font-size:7pt;line-height:10pt;font-weight:Normal;text-transform:none;text-align:left;vertical-align:bottom;padding-bottom:10pt;">
          <a href="#JOB_Index_3271f810-de27-47d4-9b4d-756928a3a1d0_va-toc">
            Table of Contents
          </a>
        </div>
        <div type="Block" style="width:100%;">
          <div style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:uppercase;">Assignments, Changes of Ownership and Other
            Transfers of Contract Rights</div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;">You can assign your rights under this Contract to
            someone else during the Accumulation Phase. An assignment may be absolute or limited, and includes changes of ownership, collateral assignments, or any other transfer of specific Contract rights. After an assignment, you may need the consent of
            the assignee of record to exercise certain Contract rights depending on the type of assignment and the rights assigned.</div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-bottom:2pt;margin-top:2pt;text-align:left;text-decoration:none;text-transform:none;"> The Contract cannot be
              assigned without our consent. You must submit your request to assign the Contract in writing to our Service Center &#160;and we must approve it in writing. </div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;">Upon receipt of your request in Good Order, we
            record the assignment. We are not responsible for the validity or effect of the assignment. We are not liable for any actions we take or payments we make before we receive your request in Good Order and record it. A request is in &#8220;<font style="font-weight:bold;">Good Order</font>&#8221; when it contains all the information we require to process it. Assigning the Contract does not change, revoke or replace the originally named Annuitant or Beneficiary; if you also want to change
            the Annuitant or Beneficiary you must make a separate request.</div>
          <div style="text-align:center;">
            <table cellspacing="0" cellpadding="0" id="zd25deacc5e834a52812303e17a838662" style="border-bottom:0.5pt solid #000000;border-collapse:collapse;border-top:0.5pt solid #000000;empty-cells:show;margin-left:auto;margin-right:auto;margin-top:6pt;width:99.60%;">

                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;color:#000000;font-family:Times New Roman;font-family:Times New Roman;font-size:10pt;font-size:10pt;font-style:Normal;font-style:Normal;font-weight:Normal;font-weight:Normal;line-height:12pt; line-height:12pt;padding-left:4pt;padding-right:4pt;padding-top:4pt;text-align:left;text-decoration:none;text-decoration:none;text-transform:none;text-transform:none;vertical-align:top;width:100%;">&#8226;&#8194; <font style="font-weight:bold;">An
                      assignment may be a taxable event</font>. In addition, there are other restrictions on changing the ownership of a Qualified Contract and Qualified Contracts generally cannot be assigned absolutely or on a limited basis. <font style="font-style:italic;font-weight:bold;">You should consult with your tax adviser before assigning this Contract</font>.
                  </td>
                </tr>
                <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                  <td style="color:#000000;color:#000000;font-family:Times New Roman;font-family:Times New Roman;font-size:10pt;font-size:10pt;font-style:Normal;font-style:Normal;font-weight:Normal;font-weight:Normal;line-height:12pt; line-height:12pt;padding-bottom:4pt;padding-left:4pt;padding-right:4pt;padding-top:1.25pt;text-align:left;text-decoration:none;text-decoration:none;text-transform:none;text-transform:none;vertical-align:top;width:100%; ">&#8226;&#8194; <font style="font-weight:bold;">An assignment will only change the Determining Life (Lives) if it involves removing a Joint Owner due to divorce, or replacing Joint Owners with a Trust.</font>
                  </td>
                </tr>

            </table>
          </div>
          <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:2pt solid #000000;height:2pt;width:100%;">
          <div style="color:#000000;font-family:Arial;font-size:11pt;font-style:Normal;font-weight:Normal;line-height:13pt;margin-top:5pt;text-align:left;text-decoration:none;text-transform:lowercase;">3.<font style="text-transform:uppercase;">&#160;&#160;Purchasing
              the Contract</font></div>
          <div style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:uppercase;">Purchase Requirements</div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;">To purchase this Contract, on the Issue Date all
            Owners and the Annuitant must be age 80 or younger.</div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;">The Purchase Payment requirements for this
            Contract are as follows.</div>
          <div style="text-align:left;">
            <table cellspacing="0" cellpadding="2" id="zee17f7d5d5124b6c8a4be3225309e62f" style="border-collapse:collapse;empty-cells:show;margin-top:2pt;width:100%;">

                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;">&#8226;
                  </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;">The minimum initial Purchase Payment due on the Issue Date is $10,000.
                  </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;">&#8226;
                  </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;">You can make additional Purchase Payments of $50 or more during the Accumulation Phase.
                  </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;">&#8226;
                  </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;">We do not accept additional Purchase Payments on or after the Annuity Date.
                  </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-bottom:0pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:2.83%;">&#8226;
                  </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-bottom:0pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;width:97.17%;">The maximum total Purchase Payments we accept is $1 million.
                  </td>
                </tr>

            </table>
          </div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:9pt;text-align:left;text-decoration:none;text-transform:none;">We may, at our sole discretion, waive the minimum
            Purchase Payment requirements.</div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-bottom:2pt;margin-top:2pt;text-align:left;text-decoration:none;text-transform:none;"> Once we receive your initial
              Purchase Payment and all necessary information in Good Order at our Service Center, we issue the Contract within two Business Days and allocate your payment to your selected Allocation Options. If the Issue Date is the same as the Index
              Effective Date we apply any part of your initial Purchase Payment you allocate to the Index Options directly to the Index Options. If the Issue Date is not the Index Effective Date, we hold any part of your initial Purchase Payment you
              allocate to the Index Options in the AZL Government Money Market Fund before we transfer it to your selected Index Options. If you do not give us all of the information we need, we contact you or your Financial Professional. If for some
              reason we are unable to complete this process within five Business Days, we either send back your Purchase Payment or get your permission to keep it until we get all of the necessary information. If you make additional Purchase Payments, we
              add this money to your Contract on the Business Day we receive it in Good Order. </div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;">If you submit a Purchase Payment and/or
            application to your Financial Professional, we do not begin processing the payment and/or application until we receive it.</div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;"> We can only decline a Purchase Payment if it
              is less than $50, would cause total Purchase Payments to be more than $1 million, or if we receive it on or after the Annuity Date. If mandated under applicable law, we may be required to reject a Purchase Payment. </div>
          <div style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:uppercase;">Applications Sent Electronically</div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;">We accept manually signed applications that are
            in Good Order and are sent by fax, or email, or uploaded to our website. It is important to verify receipt of any faxed application, or to receive a confirmation number when using email or the web. We are not liable for applications that we do
            not receive. A manually signed application sent by fax, email or over the web is considered the same as an application delivered by mail. Our electronic systems (fax, email or website) may not always be available; any electronic system can
            experience outages or slowdowns which may delay application processing.</div>
        </div>
        <div type="Block" style="margin-top:4pt;width:100%;">
          <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:0.5pt solid #000000;height:0.5pt;width:100%;">
          <div style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:13pt;margin-bottom:2pt;margin-top:2pt;text-align:center;text-decoration:none;text-transform:none;"> Allianz Index Advantage <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#174; </sup> New York Variable Annuity Prospectus &#8211; April 29, 2022 </div>
        </div>
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          <div style="color:#000000;font-family:Arial;font-size:9pt;font-style:Normal;font-weight:bold;line-height:12pt;text-align:center;text-decoration:none;text-transform:none;">&#160;33&#160;</div>
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      <p style="margin:0pt;page-break-before:always;">&#160;
      </p>
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        <a name="xx_f7d8855a-293d-4d8e-a067-19a772794dc6_20">
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          <a href="#JOB_Index_3271f810-de27-47d4-9b4d-756928a3a1d0_va-toc">
            Table of Contents
          </a>
        </div>
        <div type="Block" style="width:100%;">
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;text-align:left;text-decoration:none;text-transform:none;">Although we have taken precautions to help our system handle
            heavy use, we cannot promise complete reliability. If you experience problems, please submit your written application by mail to our Service Center. We reserve the right to discontinue or modify our electronic application policy at any time and
            for any reason.</div>
          <div style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:uppercase;">Allocation of Purchase Payments and Contract
            Value Transfers</div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-bottom:2pt;margin-top:2pt;text-align:left;text-decoration:none;text-transform:none;"> The allocation instructions
              you provide on your application automatically become your Purchase Payment default instructions. (In your Contract, Purchase Payment default instructions are called future allocation instructions.) We use these default instructions for all
              Purchase Payments we receive unless you change them, or give us alternate allocation instructions specific to an individual Purchase Payment. <font style="font-style:italic;font-weight:bold;"> We only allow Purchase Payments to move
                into the Index Options on the Index Effective Date and on subsequent Index Anniversaries. </font> As a result, we hold Purchase Payments allocated to the Index Options we receive on days other than the Index Effective Date or an Index
              Anniversary in the AZL Government Money Market Fund until we transfer them to your selected Index Options according to your Purchase Payment default instructions. On the Index Effective Date we rebalance or reallocate your total Contract
              Value among all of your selected Allocation Options according to your Purchase Payment default instructions. For additional Purchase Payments we receive <font style="font-style:italic;font-weight:bold;"> after </font> the Index
              Effective Date, this transfer occurs on the next Index Anniversary and does not involve a reallocation of your total Contract Value. We apply any Purchase Payments allocated to the Index Options we receive on the Index Effective Date or on an
              Index Anniversary directly to the Index Options on that day; these Purchase Payments are not held in the AZL Government Money Market Fund. </div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;"> We only allow Variable Account Value transfers
              into Index Options and Index Option Value transfers between Index Options on Index Anniversaries. We do not allow assets to move into an established Index Option until the Index Anniversary. <font style="font-style:Normal;font-weight:Normal;"> You can automatically reallocate your total Contract Value annually by providing us with instructions (see section 4, Optional
                Reallocation Program). </font></div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;">You select the Index Effective Date when you
            purchase your Contract. It can be any Business Day up to and including the first Quarterly Contract Anniversary, but it cannot be the 29th, 30th or 31st of a month.</div>
          <div style="text-align:center;">
            <table cellspacing="0" cellpadding="0" id="z890576d8b51d4eb5833e9a702ff2162a" style="border-bottom:0.5pt solid #000000;border-collapse:collapse;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;margin-left:auto;margin-right:auto;margin-top:6pt;width:98.58%;">

                <tr style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:9pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-bottom:2pt;padding-left:6pt; padding-right:6pt;padding-top:3pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:bottom;width:28.54%;">On your application if you select&#8230;
                  </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:9pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-bottom:2pt;padding-left:6pt;padding-right:6pt;padding-top:3pt; text-align:left;text-decoration:none;text-transform:none;vertical-align:bottom;width:71.46%;">Your Index Effective Date will be either&#8230;
                  </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:6pt;padding-right:6pt; padding-top:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:28.54%;">the earliest Index Effective Date
                  </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:6pt;padding-right:6pt;padding-top:2pt;text-align:left; text-decoration:none;text-transform:none;vertical-align:top;width:71.46%;">&#8226;&#8194;your Issue Date, or<br>
                    &#8226;&#8194;the first Business Day of the next month if the Issue Date is the 29th, 30th, or 31st of a month
                  </td>
                </tr>
                <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-bottom:4pt;padding-left:6pt; padding-right:6pt;padding-top:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:28.54%;">the deferred Index Effective Date
                  </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-bottom:4pt;padding-left:6pt;padding-right:6pt;padding-top:2pt; text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:71.46%;">&#8226;&#8194;your first Quarterly Contract Anniversary, or<br>
                    &#8226;&#8194;the next Business Day if the first Quarterly Contract Anniversary occurs on a non-Business Day, or the first Business Day of the next month if the first Quarterly Contract Anniversary is the 29th, 30th, or 31st of a month
                  </td>
                </tr>

            </table>
          </div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;margin-bottom:2pt;margin-top:2pt;text-align:left;text-decoration:none;text-transform:none;"> You should be aware that,
              generally, Caps could change every seven calendar days. However, these rates are guaranteed to be available during the period stated on our website at <font style="color:#0000FF;text-decoration:underline;"> allianzlife.com/indexratesny </font>
              and cannot be superseded until that period ends. If you select the earliest Index Effective Date or an Index Effective Date that is within the guaranteed period applicable to the initial rates in effect on the Issue Date, the initial rates
              available for review on your Issue Date will be the rates on your Index Effective Date. However, if you select an Index Effective Date that is after the date the rate is guaranteed to be available, you are subject to the risk that initial
              Caps may change and be less advantageous to you. Furthermore, if the Index Effective Date is after the end of the free look period, you will be subject to the withdrawal charge, and final product fee and contract maintenance charge if you
              then elect to cancel the Contract after the free look period. You may review future rates at least seven calendar days before their effectiveness at <font style="color:#0000FF;text-decoration:underline;"> allianzlife.com/indexratesny </font> .
              You (or your Financial Professional, if authorized) can change your Index Effective Date at any time before it occurs to be an earlier or later date by submitting a request. <font style="font-weight:Normal;"> However, your new Index
                Effective Date cannot be later than the deferred Index Effective Date listed above. We must receive your request in Good Order at our Service Center before the end of the Business Day on which you want the Index Effective Date to occur.
                Once your Index Effective Date occurs, all Index Options for your Contract will have the same Index Anniversary. </font></div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;"> You can change your Purchase Payment default
              instructions at any time without fee or penalty. These changes are effective on the Business Day we receive them in Good Order at our Service Center. We accept changes to Purchase Payment default instructions from any Owner unless you
              instruct otherwise. We may allow you to authorize someone else to change these default instructions on your behalf. <font style="font-style:italic;font-weight:bold;"> Changes to your Purchase Payment default instructions do not
                reallocate or transfer existing Index Option Values on the Index Anniversary </font> . </div>
        </div>
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          <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:0.5pt solid #000000;height:0.5pt;width:100%;">
          <div style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:13pt;margin-bottom:2pt;margin-top:2pt;text-align:center;text-decoration:none;text-transform:none;"> Allianz Index Advantage <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#174; </sup> New York Variable Annuity Prospectus &#8211; April 29, 2022 </div>
        </div>
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          <div style="color:#000000;font-family:Arial;font-size:9pt;font-style:Normal;font-weight:bold;line-height:12pt;text-align:center;text-decoration:none;text-transform:none;">&#160;34&#160;</div>
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      <p style="margin:0pt;page-break-before:always;">&#160;
      </p>
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        <a name="xx_f7d8855a-293d-4d8e-a067-19a772794dc6_21">
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        <div style="font-family:Arial;font-size:7pt;line-height:10pt;font-weight:Normal;text-transform:none;text-align:left;vertical-align:bottom;padding-bottom:10pt;">
          <a href="#JOB_Index_3271f810-de27-47d4-9b4d-756928a3a1d0_va-toc">
            Table of Contents
          </a>
        </div>
        <div type="Block" style="width:100%;">
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-bottom:2pt;margin-top:2pt;text-align:left;text-decoration:none;text-transform:none;"> We notify you at least 30
              days in advance of each Index Anniversary as a reminder that on the upcoming anniversary you may transfer Variable Account Value to the Index Options, and you may transfer Index Option Value between Index Options. Transfers between Allocation
              Options do not change your Purchase Payment default instructions. For more information, see section 5, Variable Options &#8211; Electronic Transfer and Allocation Instructions. On each Index Anniversary, if we have not received transfer
              instructions from you, and you are not participating in the Index Option reallocation program, all assets invested continue to be invested in the Index Options at the renewal Caps. </div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;">You cannot transfer Index Option Value to the
            Variable Options except on every sixth Index Anniversary, <font style="font-style:italic;font-weight:bold;">at which point you can do so even if the assets you wish to transfer have been in the Index Options for less than six full years</font>.
            If you request to transfer Index Option Value to the Variable Options on a sixth Index Anniversary this request automatically cancels any prior transfer instructions you gave to us regarding moving Variable Account Value to the Index Options.
            We must receive all Index Option transfer instructions in Good Order at our Service Center before the end of the Business Day on the Index Anniversary (or the next Business Day if the Index Anniversary is a non-Business Day).</div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;">You can transfer Variable Account Value among the
            Variable Options on any Business Day, except that any amount held in the AZL Government Money Market Fund that is set to be allocated to an Index Option on the Index Effective Date or an Index Anniversary will not be transferred to the Index
            Option if it is transferred to another Variable Option.</div>
          <div style="text-align:center;">
            <table cellspacing="0" cellpadding="0" id="z1adf31dcde794ea1901da972734c3573" style="border-bottom:0.5pt solid #000000;border-collapse:collapse;border-top:0.5pt solid #000000;empty-cells:show;margin-left:auto;margin-right:auto;margin-top:6pt;width:99.60%;">

                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;color:#000000;font-family:Times New Roman;font-family:Times New Roman;font-size:10pt;font-size:10pt;font-style:Normal;font-style:Normal;font-weight:Normal;font-weight:Normal;line-height:12pt; line-height:12pt;padding-left:4pt;padding-right:4pt;padding-top:4pt;text-align:left;text-decoration:none;text-decoration:none;text-transform:none;text-transform:none;vertical-align:top;width:100%;">&#8226;&#8194; In order to apply Purchase Payments
                    we receive <font style="font-style:italic;font-weight:bold;">after</font> the Index Effective Date to your selected Index Option(s) on the next Index Anniversary, we must receive them <font style="font-weight:bold;text-decoration:underline;">before</font> the end of the Business Day on the Index Anniversary (or before the end of the <font style="font-weight:bold;text-decoration:underline;">prior</font> Business Day if
                    the anniversary is a non-Business Day).
                  </td>
                </tr>
                <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                  <td style="color:#000000;color:#000000;font-family:Times New Roman;font-family:Times New Roman;font-size:10pt;font-size:10pt;font-style:Normal;font-style:Normal;font-weight:Normal;font-weight:Normal;line-height:12pt; line-height:12pt;padding-bottom:4pt;padding-left:4pt;padding-right:4pt;padding-top:1.25pt;text-align:left;text-decoration:none;text-decoration:none;text-transform:none;text-transform:none;vertical-align:top;width:100%; ">&#8226;&#8194; Variable Options are subject to Contract fees and expenses (e.g. product fee), and market risk and assets you allocate to them may lose value, <font style="font-style:italic;font-weight:bold;">including any Purchase Payments we
                      hold in the AZL Government Money Market before transferring them to your selected Index Options</font>.
                  </td>
                </tr>

            </table>
          </div>
          <div style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;margin-top:12pt;text-align:left;text-decoration:none;text-transform:uppercase;">Automatic Investment Plan (AIP)</div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-bottom:2pt;margin-top:2pt;text-align:left;text-decoration:none;text-transform:none;"> The AIP makes additional
              Purchase Payments to the Contract during the Accumulation Phase on a monthly or quarterly basis by electronic money transfer from your savings, checking or brokerage account. You can participate in AIP by completing our AIP form. Our Service
              Center must receive your form in Good Order by the 15th of the month (or the next Business Day if the 15th is a non-Business day) in order for AIP to begin that same month. We process AIP Purchase Payments on the 20th of the month, or the
              next Business Day if the 20th is a non-Business Day. We allocate AIP Purchase Payments according to your Purchase Payment default instructions which must comply with the allocation requirements and restrictions stated in this section. We must
              receive your request to stop or change AIP at our Service Center before the end of the last Business Day immediately before the Business Day we process AIP to make the change that month. If you choose to begin Annuity Payments, AIP ends
              automatically on the last Business Day before the Annuity Date. We reserve the right to discontinue or modify AIP at any time and for any reason. </div>
          <div style="text-align:center;">
            <table cellspacing="0" cellpadding="0" id="z4ff39546058f4c2dbd2d21306a083fd0" style="border-bottom:0.5pt solid #000000;border-collapse:collapse;border-top:0.5pt solid #000000;empty-cells:show;margin-left:auto;margin-right:auto;margin-top:6pt;width:99.60%;">

                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-bottom:4pt;padding-left:4pt;padding-right:4pt;padding-top:4pt;text-align:left; text-decoration:none;text-transform:none;vertical-align:top;width:100%;">For Owners of Qualified Contracts, AIP is not available if you have an Inherited IRA Contract, an Inherited Roth IRA Contract, or if your Contract is funding a
                    plan that is tax qualified under Section 401 of the Code.
                  </td>
                </tr>

            </table>
          </div>
          <div style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;margin-top:12pt;text-align:left;text-decoration:none;text-transform:uppercase;">Free Look/Right to Examine Period</div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;margin-bottom:2pt;margin-top:2pt;text-align:left;text-decoration:none;text-transform:none;"> If you change your mind
              about owning the Contract, you can cancel it within ten days after receiving it. We return your Contract Value as of the Business Day we receive your cancellation request in Good Order. This may be more or less than your initial Purchase
              Payment. If your cancellation request occurs after the Index Effective Date, your Contract Value will include the Daily Adjustment for amounts allocated to the Index Options. If you have an IRA Contract, we refund your Purchase Payments less
              withdrawals, or Contract Value, if greater. For IRA Contracts, we reserve the right to allocate your initial Purchase Payment to the AZL Government Money Market Fund until the free look period ends, and then re-allocate your money, less fees
              and expenses, according to your Purchase Payment default instructions. If we exercise this right, the Contract Value we use to determine your refund amount on a cancellation request will not include the Daily Adjustment as the Index Effective
              Date will not yet have occurred. We do not assess a withdrawal charge or deduct any other Contract fees or expenses if you cancel your Contract during the free look period. If you take a withdrawal (including financial adviser fees that you
              choose to have us pay from this Contract) that is subject to a withdrawal charge and then cancel your Contract during the free look period, we will refund any previously deducted withdrawal charge upon cancellation. In the Contract, the free
              look provision is also called the right to examine. </div>
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          <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:0.5pt solid #000000;height:0.5pt;width:100%;">
          <div style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:13pt;margin-bottom:2pt;margin-top:2pt;text-align:center;text-decoration:none;text-transform:none;"> Allianz Index Advantage <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#174; </sup> New York Variable Annuity Prospectus &#8211; April 29, 2022 </div>
        </div>
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          <div style="color:#000000;font-family:Arial;font-size:9pt;font-style:Normal;font-weight:bold;line-height:12pt;text-align:center;text-decoration:none;text-transform:none;">&#160;35&#160;</div>
        </div>
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      </div>
      <hr style="margin-bottom:0pt;">
      <p style="margin:0pt;page-break-before:always;">&#160;
      </p>
      <div style="width:100%;">
        <a name="xx_f7d8855a-293d-4d8e-a067-19a772794dc6_22">
        </a>
        <div style="font-family:Arial;font-size:7pt;line-height:10pt;font-weight:Normal;text-transform:none;text-align:left;vertical-align:bottom;padding-bottom:10pt;">
          <a href="#JOB_Index_3271f810-de27-47d4-9b4d-756928a3a1d0_va-toc">
            Table of Contents
          </a>
        </div>
        <div type="Block" style="width:100%;">
          <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:2pt solid #000000;height:2pt;width:100%;">
          <div style="color:#000000;font-family:Arial;font-size:11pt;font-style:Normal;font-weight:Normal;line-height:13pt;margin-top:5pt;text-align:left;text-decoration:none;text-transform:lowercase;"> 4. <font style="text-transform:uppercase;"> &#160;&#160;Valuing
                Your Contract </font></div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;">Your Contract Value is the total of the Variable
            Account Value and all Index Option Values.</div>
          <div style="text-align:center;">
            <table cellspacing="0" cellpadding="0" id="zcf70921c75b54357b9479d5a85c60185" style="border-bottom:0.5pt solid #000000;border-collapse:collapse;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;margin-left:auto;margin-right:auto;margin-top:6pt;width:98.58%;">

                <tr style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:9pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-bottom:2pt;padding-left:6pt; padding-right:6pt;padding-top:3pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:bottom;width:49.38%;"> Variable Account Value increases when&#8230;.
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:9pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-bottom:2pt;padding-left:6pt;padding-right:6pt;padding-top:3pt; text-align:left;text-decoration:none;text-transform:none;vertical-align:bottom;width:50.62%;"> Variable Account Value decreases when&#8230;.
                    </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:13pt;padding-right:6pt; padding-top:2pt;text-align:left;text-decoration:none;text-indent:-7pt;text-transform:none;vertical-align:top;width:49.38%;"> &#8226;&#8194;you add assets to a Variable Option by Purchase Payment or Contract Value transfer, or <br>

                      &#8226;&#8194;there is positive Variable Option performance
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:13pt;padding-right:6pt;padding-top:2pt;text-align:left; text-decoration:none;text-indent:-7pt;text-transform:none;vertical-align:top;width:50.62%;"> &#8226;&#8194;you take assets out of a Variable Option by withdrawal (including any financial adviser fees that you choose to have us pay from this
                      Contract) or Contract Value transfer, <br>

                      &#8226;&#8194;there is negative Variable Option performance, or <br>

                      &#8226;&#8194;we deduct Contract fees and expenses
                    </td>
                </tr>
                <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                  <td colspan="2" style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;line-height:12pt;padding-bottom:4pt;padding-left:6pt;padding-right:6pt;padding-top:2pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:top;width:100%;"> Contract <font style="font-style:Normal;font-weight:Normal;"> </font> fees and <font style="font-style:Normal;font-weight:Normal;"> </font> expenses
                      we deduct from the Variable Options include the product fee, contract maintenance charge, withdrawal charge and transfer fee as described in section 6, Expenses. Financial adviser fees that you choose to have us pay from this Contract
                      are described in section 1, The Contract. Variable Options include Purchase Payments we hold in the AZL Government Money Market Fund before transferring them to your selected Index Options.
                    </td>
                </tr>

            </table>
          </div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:9pt;text-align:left;text-decoration:none;text-transform:none;">The Variable Options do not provide any
            protection against loss of principal. <font style="font-style:italic;font-weight:bold;">You can lose principal and previous earnings you allocate to the Variable Options. These losses can be significant</font>.</div>
          <div style="text-align:center;">
            <table cellspacing="0" cellpadding="0" id="z47cc102a195042f384a3f0f1dd29966b" style="border-bottom:0.5pt solid #000000;border-collapse:collapse;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;margin-left:auto;margin-right:auto;margin-top:6pt;width:98.58%;">

                <tr style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:9pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-bottom:2pt;padding-left:6pt; padding-right:6pt;padding-top:3pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:bottom;width:49.38%;"> Index Option Values increase when&#8230;.
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:9pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-bottom:2pt;padding-left:6pt;padding-right:6pt;padding-top:3pt; text-align:left;text-decoration:none;text-transform:none;vertical-align:bottom;width:50.62%;"> Index Option Values decrease when&#8230;.
                    </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:13pt;padding-right:6pt; padding-top:2pt;text-align:left;text-decoration:none;text-indent:-7pt;text-transform:none;vertical-align:top;width:49.38%;"> &#8226;&#8194;you add assets to an Index Option by Purchase Payment or Contract Value transfer, or <br>

                      &#8226;&#8194;you receive a positive Performance Credit or Daily Adjustment
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:13pt;padding-right:6pt;padding-top:2pt;text-align:left; text-decoration:none;text-indent:-7pt;text-transform:none;vertical-align:top;width:50.62%;"> &#8226;&#8194;you take assets out of an Index Option by withdrawal (including any financial adviser fees that you choose to have us pay from this
                      Contract) or Contract Value transfer, <br>

                      &#8226;&#8194;you receive a negative Performance Credit or Daily Adjustment, or <br>

                      &#8226;&#8194;we deduct Contract fees and expenses
                    </td>
                </tr>
                <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                  <td colspan="2" style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;line-height:12pt;padding-bottom:4pt;padding-left:6pt;padding-right:6pt;padding-top:2pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:top;width:100%;"> Contract fees and expenses we deduct from the Index Options include the product fee, contract maintenance charge and withdrawal charge&#160; as
                      described in section 6, Expenses. Financial adviser fees that you choose to have us pay from this Contract are described in section 1, The Contract.
                    </td>
                </tr>

            </table>
          </div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-bottom:2pt;margin-top:2pt;text-align:left;text-decoration:none;text-transform:none;"> We apply transfers of
              Contract Value and Purchase Payments to the Index Options on the Index Effective Date and Index Anniversaries. We apply Performance Credits to the Index Options on the Index Anniversaries. Contract expenses are deducted at different times
              during the Index Year as stated in section 6, Expenses. We pay financial adviser fees to your Financial Professional or the Financial Professional's firm upon written request as stated in section 1, The Contract. The Daily Adjustment applies
              on any Business Day other than the Index Effective Date or an Index Anniversary. </div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;"> Performance Credits are subject to the
              applicable Cap or Buffer <font style="font-weight:Normal;"> . Positive Performance Credits are not guaranteed and Performance Credits can be zero under all the Index Options. Performance Credits can be negative after application of the
                10% or 30% Buffer for any Index Option with the Index Precision Strategy or Index Performance Strategy, or negative down to the -10% Floor for any Index Option with the Index Guard Strategy. </font> A negative Performance Credit
              means that you can lose principal and previous earnings. <font style="font-style:italic;"> These losses can be significant. </font></div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;"> We require that the Contract Value after a
              partial withdrawal must be at least $2,000.* <font style="font-weight:bold;"> We reserve the right to treat a partial withdrawal that reduces the Contract Value below this minimum as a full withdrawal. </font></div>
          <div style="text-align:left;">
            <table cellspacing="0" cellpadding="0" id="z0dc37d48bee3439d83443cf0aab2d7f7" style="border-collapse:collapse;empty-cells:show;margin-top:1pt;width:100%;">

                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:3.64%;"> *
                    </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:96.36%;"> Does not apply to RMD payments under our minimum distribution program.
                    </td>
                </tr>

            </table>
          </div>
          <div style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:uppercase;">Determining Variable Account Value</div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;">The Separate Account holds the assets you
            allocate to the Variable Options, including Purchase Payments held in the AZL Government Money Market Fund before we transfer them to the Index Options. The Separate Account is divided into subaccounts, each of which invests exclusively in the
            shares of a single Variable Option.</div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;">We convert amounts you allocate to a Variable
            Option into subaccount accumulation units. Each subaccount&#8217;s daily price (accumulation unit value) is based on the Variable Option&#8217;s price. A Variable Option&#8217;s price is typically determined at the end of each Business Day,<font style="font-weight:bold;"> and any Purchase Payment received at or after the end of the current Business Day receives the next Business Day&#8217;s price</font>. A Variable Option's price reflects deduction of its operating expenses.</div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;">We calculate your Variable Account Value at the
            end of each Business Day by multiplying each subaccount&#8217;s accumulation unit value by its number of accumulation units, and adding those results together for all subaccounts.</div>
        </div>
        <div type="Block" style="margin-top:5pt;width:100%;">
          <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:0.5pt solid #000000;height:0.5pt;width:100%;">
          <div style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:13pt;margin-bottom:2pt;margin-top:2pt;text-align:center;text-decoration:none;text-transform:none;"> Allianz Index Advantage <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#174; </sup> New York Variable Annuity Prospectus &#8211; April 29, 2022 </div>
        </div>
        <div type="Block" style="margin-top:4pt;width:100%;">
          <div style="color:#000000;font-family:Arial;font-size:9pt;font-style:Normal;font-weight:bold;line-height:12pt;text-align:center;text-decoration:none;text-transform:none;">&#160;36&#160;</div>
        </div>
      </div>
      <div style="clear:both;font-size:12pt;height:0pt;">
      </div>
      <hr style="margin-bottom:0pt;">
      <p style="margin:0pt;page-break-before:always;">&#160;
      </p>
      <div style="width:100%;">
        <a name="xx_f7d8855a-293d-4d8e-a067-19a772794dc6_23">
        </a>
        <div style="font-family:Arial;font-size:7pt;line-height:10pt;font-weight:Normal;text-transform:none;text-align:left;vertical-align:bottom;padding-bottom:10pt;">
          <a href="#JOB_Index_3271f810-de27-47d4-9b4d-756928a3a1d0_va-toc">
            Table of Contents
          </a>
        </div>
        <div type="Block" style="width:100%;">
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;">On the Issue Date, the number of accumulation
            units in each subaccount is equal to the amount allocated to the subaccount divided by its accumulation unit value. At the end of each Business Day, the number of subaccount accumulation units:</div>
          <div style="text-align:left;">
            <table cellspacing="0" cellpadding="0" id="z2490d4d760d54e39b4df2d3085198d61" style="border-collapse:collapse;empty-cells:show;margin-top:2pt;width:100%;">

                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;">&#8226;
                  </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;">increase<font style="font-weight:Normal;"> when you add assets to a Variable Option by Purchase Payment or Contract Value transfer, and</font>
                  </td>
                </tr>

            </table>
          </div>
          <div style="text-align:left;">
            <table cellspacing="0" cellpadding="0" id="ze105123d1f8042abb462eac89b28b4ea" style="border-collapse:collapse;empty-cells:show;margin-top:2pt;width:100%;">

                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;"> &#8226;
                    </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;"> decrease <font style="font-weight:Normal;"> when assets are removed from a Variable Option by transfer, withdrawals you request (including any financial adviser
                        fees that you choose to have us pay from this Contract), or when we deduct Contract fees and expenses. </font>
                  </td>
                </tr>

            </table>
          </div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:9pt;text-align:left;text-decoration:none;text-transform:none;">We arbitrarily set the initial accumulation unit
            value for each subaccount. At the end of each Business Day, we determine the new accumulation unit value for each subaccount by multiplying the prior Business Day&#8217;s accumulation unit value by the Variable Option&#8217;s percentage change in price
            since the prior Business Day. The percentage change in price includes the Variable Option&#8217;s market performance.</div>
          <div style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;"><font style="text-decoration:underline;">Example</font></div>
          <div style="text-align:left;">
            <table cellspacing="0" cellpadding="2" id="z80048997c4d34d5da2f36b15aeed9e59" style="border-collapse:collapse;empty-cells:show;margin-top:3pt;width:100%;">

                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;">&#8226;
                  </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;">We receive at our Service Center an additional Purchase Payment of $3,000 from you before the end of the Business Day.
                  </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;">&#8226;
                  </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;">When the New York Stock Exchange closes on that Business Day, we determine that the accumulation unit value is $13.25 for the subaccount of your selected Variable Option.
                  </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-bottom:0pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:2.83%;">&#8226;
                  </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-bottom:0pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;width:97.17%;">We then divide $3,000 by $13.25 and credit your Contract that night with 226.415094 subaccount accumulation units for your selected Variable Option.
                  </td>
                </tr>

            </table>
          </div>
          <div style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;margin-top:12pt;text-align:left;text-decoration:none;text-transform:uppercase;">Determining Index Option Values</div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;">We calculate an Index Option Value for each Index
            Option at the end of each Business Day. Generally, the Index Option Value is equal to the Index Option Base plus any applicable Daily Adjustment. The Daily Adjustment applies on Business Days other than the Index Effective Date or an Index
            Anniversary. The Daily Adjustment can be positive or negative and is discussed later in this section.</div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;">On the Index Effective Date, both the Index
            Option Value and the Index Option Base for each of your selected Index Options are initially equal to the amount of:</div>
          <div style="text-align:left;">
            <table cellspacing="0" cellpadding="2" id="zdfeed4935ce24f98bea13ff566716768" style="border-collapse:collapse;empty-cells:show;margin-top:2pt;width:100%;">

                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;">&#8226;
                  </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;">any Purchase Payment received that day which you allocated to that Index Option, and
                  </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-bottom:0pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:2.83%;">&#8226;
                  </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-bottom:0pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;width:97.17%;">any Contract Value transferred into that Index Option.
                  </td>
                </tr>

            </table>
          </div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:9pt;text-align:left;text-decoration:none;text-transform:none;">At the end of each subsequent Business Day for
            each selected Index Option, we first either apply:</div>
          <div style="text-align:left;">
            <table cellspacing="0" cellpadding="2" id="z996eb6b4766742d5af02707592f50e4a" style="border-collapse:collapse;empty-cells:show;margin-top:3pt;width:100%;">

                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;">&#8226;
                  </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;">the Daily Adjustment if this is not an Index Anniversary, or
                  </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-bottom:0pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:2.83%;">&#8226;
                  </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-bottom:0pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;width:97.17%;">a Performance Credit if this is an Index Anniversary.
                  </td>
                </tr>

            </table>
          </div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:9pt;text-align:left;text-decoration:none;text-transform:none;">We calculate Performance Credits as described
            under &#8220;Calculating Performance Credits&#8221; next in this section and apply them as follows:</div>
          <div style="text-align:left;">
            <table cellspacing="0" cellpadding="2" id="zcf60367d5c1e4b30b64e49f23699bab2" style="border-collapse:collapse;empty-cells:show;margin-top:3pt;width:100%;">

                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;">&#8226;
                  </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;">We multiply each Index Option Base by its Performance Credit and add this amount to its Index Option Base.
                  </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-bottom:0pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:2.83%;">&#8226;
                  </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-bottom:0pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;width:97.17%;">Then we set each Index Option Value equal to its Index Option Base.
                  </td>
                </tr>

            </table>
          </div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-bottom:2pt;margin-top:2pt;text-align:left;text-decoration:none;text-transform:none;"> Lastly, we increase and/or
              decrease each Index Option Base and Index Option Value for additional Purchase Payments, transfers, partial withdrawals you take or financial adviser fees that you choose to have us pay from this Contract (including any withdrawal charge),
              and deductions we make for Contract fees and expenses. </div>
          <div style="text-align:left;">
            <table cellspacing="0" cellpadding="2" id="z8002aa190e6f44d8b37a4be2600d673b" style="border-collapse:collapse;empty-cells:show;margin-top:2pt;width:100%;">

                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;"> &#8226;
                    </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;"> Additional Purchase Payments received on an Index Anniversary and allocated to this Index Option, and transfers of Variable Account Value or Index Option Value into this Index Option, increase these values by the
                      dollar amount allocated or transferred.
                    </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-bottom:0pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:2.83%;"> &#8226;
                    </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-bottom:0pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;width:97.17%;"> Transfers out of this Index Option reduce these values by the dollar amount removed from the Index Option.
                    </td>
                </tr>

            </table>
          </div>
        </div>
        <div type="Block" style="margin-top:87pt;width:100%;">
          <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:0.5pt solid #000000;height:0.5pt;width:100%;">
          <div style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:13pt;margin-bottom:2pt;margin-top:2pt;text-align:center;text-decoration:none;text-transform:none;"> Allianz Index Advantage <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#174; </sup> New York Variable Annuity Prospectus &#8211; April 29, 2022 </div>
        </div>
        <div type="Block" style="margin-top:4pt;width:100%;">
          <div style="color:#000000;font-family:Arial;font-size:9pt;font-style:Normal;font-weight:bold;line-height:12pt;text-align:center;text-decoration:none;text-transform:none;">&#160;37&#160;</div>
        </div>
      </div>
      <div style="clear:both;font-size:12pt;height:0pt;">
      </div>
      <hr style="margin-bottom:0pt;">
      <p style="margin:0pt;page-break-before:always;">&#160;
      </p>
      <div style="width:100%;">
        <a name="xx_f7d8855a-293d-4d8e-a067-19a772794dc6_24">
        </a>
        <div style="font-family:Arial;font-size:7pt;line-height:10pt;font-weight:Normal;text-transform:none;text-align:left;vertical-align:bottom;padding-bottom:10pt;">
          <a href="#JOB_Index_3271f810-de27-47d4-9b4d-756928a3a1d0_va-toc">
            Table of Contents
          </a>
        </div>
        <div type="Block" style="width:100%;">
          <div style="text-align:left;">
            <table cellspacing="0" cellpadding="0" id="z6cd0a721fbad47cbba3d32e85c60d39a" style="border-collapse:collapse;empty-cells:show;margin-top:2pt;width:100%;">

                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;"> &#8226;
                    </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;"> Partial withdrawals you take or financial adviser fees that you choose to have us pay from this Contract (including any withdrawal charge), and deductions we make for Contract fees and expenses reduce these values by
                      the dollar amount withdrawn from the Index Option.
                    </td>
                </tr>

            </table>
          </div>
          <div style="text-align:left;">
            <table cellspacing="0" cellpadding="0" id="zb173bc6da05747ab98da15ae2a540434" style="border-collapse:collapse;empty-cells:show;margin-left:2.83%;margin-top:2pt;width:97.17%;">

                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.92%;"> &#8211;&#8194;
                    </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.08%;"> We deduct partial withdrawals you take or financial adviser fees that you choose to have us pay from this Contract (including any withdrawal charge), and deductions we make for Contract fees and expenses from the Index
                      Options proportionately based on the percentage of Contract Value in each Index Option using values determined at the end of the Business Day before we process the withdrawal or deduct the Contract expense. However, if you
                      specifically direct us to take a partial withdrawal from a specific Index Option we reduce that Index Option Value by the dollar amount you specify (including any withdrawal charge).
                    </td>
                </tr>

            </table>
          </div>
          <div style="text-align:left;">
            <table cellspacing="0" cellpadding="0" id="zb276ae5f05eb4d569d7d519c3eab3181" style="border-collapse:collapse;empty-cells:show;margin-left:2.83%;margin-top:2pt;width:97.17%;">

                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.92%;">&#8211;&#8194;
                  </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.08%;">We then reduce each Index Option Base by the same percentage that the amount withdrawn reduced its associated Index Option Value.
                  </td>
                </tr>

            </table>
          </div>
          <div style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;margin-bottom:2pt;margin-top:2pt;text-align:left;text-decoration:none;text-transform:none;"><font style="text-decoration:underline;"> Example </font></div>
          <div style="text-align:left;">
            <table cellspacing="0" cellpadding="2" id="z6ccda6fbfa6847eda19e9c09afc6092e" style="border-collapse:collapse;empty-cells:show;margin-top:2pt;width:100%;">

                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;"> &#8226;
                    </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;"> Your Contract Value is $100,000 and you selected two Index Options. The first Index Option has an Index Option Value of $75,000 and an Index Option Base of $72,000. The second Index Option has an Index Option Value of
                      $25,000 and an Index Option Base of $22,000. You take a $10,000 partial withdrawal (including any withdrawal charge).
                    </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-bottom:0pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:2.83%;"> &#8226;
                    </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-bottom:0pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;width:97.17%;"> This partial withdrawal reduces your Index Option Value by the percentage of Contract Value in each Index Option (Index Option Value &#247; Contract Value).
                    </td>
                </tr>

            </table>
          </div>
          <div style="text-align:left;">
            <table cellspacing="0" cellpadding="0" id="z09c7779b84064a89aafb7ef583f8224f" style="border-collapse:collapse;empty-cells:show;margin-left:2.83%;margin-top:2pt;width:97.17%;">

                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.92%;"> &#8211;&#8194;
                    </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.08%;"> For the first Index Option this percentage is 75% ($75,000 &#247; $100,000) and the $10,000 partial withdrawal reduces this value by $7,500 ($10,000 x 75%). For the second Index Option this percentage is 25% ($25,000 &#247;
                      $100,000) and the $10,000 partial withdrawal reduces this value by $2,500 ($10,000 x 25%).
                    </td>
                </tr>

            </table>
          </div>
          <div style="text-align:left;">
            <table cellspacing="0" cellpadding="0" id="z34a87f5332424b1aa42fa0edd26610c0" style="border-collapse:collapse;empty-cells:show;margin-top:2pt;width:100%;">

                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;"> &#8226;
                    </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;"> We then reduce each Index Option Base by the same percentage that the amount withdrawn reduced its associated Index Option Value (amount withdrawn from Index Option Value &#247; Index Option Value).
                    </td>
                </tr>

            </table>
          </div>
          <div style="text-align:left;">
            <table cellspacing="0" cellpadding="0" id="zceb270d0b9d84c4b886decb2f9b07ccd" style="border-collapse:collapse;empty-cells:show;margin-left:2.83%;margin-top:2pt;width:97.17%;">

                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.92%;"> &#8211;&#8194;
                    </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.08%;"> For the first Index Option this percentage is 10% ($7,500 &#247; $75,000) and the $10,000 partial withdrawal reduces this value by $7,200 ($72,000 x 10%). For the second Index Option this percentage is also 10% ($2,500 &#247;
                      $25,000) and the $10,000 partial withdrawal reduces this value by $2,200 ($22,000 x 10%).
                    </td>
                </tr>

            </table>
          </div>
          <div style="text-align:left;">
            <table cellspacing="0" cellpadding="0" id="z3e800cad6b78495487a4abc03f911a5a" style="border-collapse:collapse;empty-cells:show;margin-top:2pt;width:100%;">

                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;"> &#8226;
                    </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;"> Deductions we make for Contract fees and expenses also reduce these values proportionately in the same way as a partial withdrawal.
                    </td>
                </tr>

            </table>
          </div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;text-align:left;text-decoration:none;text-transform:none;">&#160;&#160;&#160;&#160;</div>
          <div style="text-align:center;">
            <table cellspacing="0" cellpadding="0" id="z665791d903044a8eb8be3fffa9900904" style="border-collapse:collapse;empty-cells:show;margin-left:auto;margin-right:auto;margin-top:6pt;width:98.99%;">

                <tr style="page-break-inside:avoid;">
                  <td style="line-height:10pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:4pt;text-align:left;vertical-align:bottom;width:35.34%;"> &#160;
                    </td>
                  <td colspan="3" style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;padding-bottom:2.5pt;padding-left:3pt;padding-right:3pt;padding-top:4pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:30.33%;"> First Index Option
                    </td>
                  <td style="line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:4pt;text-align:center;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td colspan="3" style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;padding-bottom:2.5pt;padding-left:3pt;padding-right:4pt;padding-top:4pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:32.33%;"> Second Index Option
                    </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:2pt;text-align:left;vertical-align:bottom;width:35.34%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;padding-bottom:2.5pt;padding-left:3pt;padding-right:3pt;padding-top:2pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:14.40%;"> Index Option Value
                    </td>
                  <td style="line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:2pt;text-align:center;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;padding-bottom:2.5pt;padding-left:3pt;padding-right:3pt;padding-top:2pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:13.93%;"> Index Option Base
                    </td>
                  <td style="line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:2pt;text-align:center;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;padding-bottom:2.5pt;padding-left:3pt;padding-right:3pt;padding-top:2pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:14.40%;"> Index Option Value
                    </td>
                  <td style="line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:2pt;text-align:center;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;padding-bottom:2.5pt;padding-left:3pt;padding-right:4pt;padding-top:2pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:15.93%;"> Index Option Base
                    </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:4pt;padding-right:3pt;padding-top:2pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:35.34%;"> Prior to partial withdrawal
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:3pt;padding-right:3pt;padding-top:2pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;width:14.40%;"> $ 75,000
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:2pt;text-align:center;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:3pt;padding-right:3pt;padding-top:2pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;width:13.93%;"> $ 72,000
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:2pt;text-align:center;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:3pt;padding-right:3pt;padding-top:2pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;width:14.40%;"> $ 25,000
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:2pt;text-align:center;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:3pt;padding-right:4pt;padding-top:2pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;width:15.93%;"> $ 22,000
                    </td>
                </tr>
                <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-bottom:2.5pt;padding-left:4pt;padding-right:3pt;padding-top:1.25pt;text-align:left; text-decoration:none;text-transform:none;vertical-align:top;width:35.34%;"> $10,000 partial withdrawal
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-bottom:2.5pt;padding-left:3pt;padding-right:3pt; padding-top:1.25pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;width:14.40%;"> &#8211; $7,500
                    </td>
                  <td style="line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-bottom:2.5pt;padding-left:3pt;padding-right:3pt; padding-top:1.25pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;width:13.93%;"> &#8211; $7,200
                    </td>
                  <td style="line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-bottom:2.5pt;padding-left:3pt;padding-right:3pt; padding-top:1.25pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;width:14.40%;"> &#8211; $2,500
                    </td>
                  <td style="line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-bottom:2.5pt;padding-left:3pt;padding-right:4pt; padding-top:1.25pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;width:15.93%;"> &#8211; $2,200
                    </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="padding-right:3pt;padding-top:2pt;text-align:left;vertical-align:top;width:35.34%;"> &#160;
                    </td>
                  <td style="padding-right:3pt;padding-top:2pt;text-align:center;vertical-align:top;width:14.40%;"> &#160;
                    </td>
                  <td style="padding-right:3pt;padding-top:2pt;text-align:center;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td style="padding-right:3pt;padding-top:2pt;text-align:center;vertical-align:top;width:13.93%;"> &#160;
                    </td>
                  <td style="padding-right:3pt;padding-top:2pt;text-align:center;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td style="padding-right:3pt;padding-top:2pt;text-align:center;vertical-align:top;width:14.40%;"> &#160;
                    </td>
                  <td style="padding-right:3pt;padding-top:2pt;text-align:center;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td style="padding-right:4pt;padding-top:2pt;text-align:center;vertical-align:top;width:15.93%;"> &#160;
                    </td>
                </tr>
                <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-bottom:4pt;padding-left:4pt;padding-right:3pt;padding-top:1.25pt;text-align:left; text-decoration:none;text-transform:none;vertical-align:top;width:35.34%;"> After partial withdrawal
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-bottom:4pt;padding-left:3pt;padding-right:3pt;padding-top:1.25pt;text-align:center; text-decoration:none;text-transform:none;vertical-align:top;width:14.40%;"> $ 67,500
                    </td>
                  <td style="line-height:0pt;padding-bottom:4pt;padding-right:3pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-bottom:4pt;padding-left:3pt;padding-right:3pt;padding-top:1.25pt;text-align:center; text-decoration:none;text-transform:none;vertical-align:top;width:13.93%;"> $ 64,800
                    </td>
                  <td style="line-height:0pt;padding-bottom:4pt;padding-right:3pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-bottom:4pt;padding-left:3pt;padding-right:3pt;padding-top:1.25pt;text-align:center; text-decoration:none;text-transform:none;vertical-align:top;width:14.40%;"> $ 22,500
                    </td>
                  <td style="line-height:0pt;padding-bottom:4pt;padding-right:3pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-bottom:4pt;padding-left:3pt;padding-right:4pt;padding-top:1.25pt;text-align:center; text-decoration:none;text-transform:none;vertical-align:top;width:15.93%;"> $ 19,800
                    </td>
                </tr>

            </table>
          </div>
          <div style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;text-align:center;text-decoration:none;text-transform:none;">&#160;&#160;&#160;&#160;</div>
          <div style="text-align:center;">
            <table cellspacing="0" cellpadding="0" id="z31145d22f30f41b791c897674b277cb8" style="border-bottom:0.5pt solid #000000;border-collapse:collapse;border-top:0.5pt solid #000000;empty-cells:show;margin-left:auto;margin-right:auto;margin-top:6pt;width:99.60%;">

                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;color:#000000;font-family:Arial Narrow;font-family:Times New Roman;font-size:10pt;font-size:10pt;font-style:Normal;font-style:Normal;font-weight:Normal;font-weight:Normal;line-height:12pt; line-height:12pt;padding-left:4pt;padding-right:4pt;padding-top:4pt;text-align:left;text-decoration:none;text-decoration:none;text-transform:none;text-transform:none;vertical-align:top;width:100%;"> &#8226;&#8194; <font style="font-weight:bold;"> Amounts removed from the Index Options during the Index Year for partial withdrawals you take (including any financial adviser fees that you choose to have us
                        pay from this Contract) and deductions we make for Contract fees and expenses do not receive a Performance Credit on the next Index Anniversary </font> . However, the remaining amount in the Index Options is eligible for a
                      Performance Credit on the next Index Anniversary.
                    </td>
                </tr>
                <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                  <td style="color:#000000;color:#000000;font-family:Times New Roman;font-family:Times New Roman;font-size:10pt;font-size:10pt;font-style:Normal;font-style:Normal;font-weight:Normal;font-weight:Normal;line-height:12pt; line-height:12pt;padding-bottom:4pt;padding-left:4pt;padding-right:4pt;padding-top:1.25pt;text-align:left;text-decoration:none;text-decoration:none;text-transform:none;text-transform:none;vertical-align:top;width:100%; "> &#8226;&#8194; You cannot specify from which Allocation Option we deduct Contract fees and expenses; we deduct Contract fees and expenses from each Allocation Option proportionately based on the percentage of Contract Value in each Allocation
                      Option. However, you can specify from which Allocation Option we deduct a partial withdrawal and any financial adviser fees that you choose to have us pay from this Contract. <font style="font-weight:bold;"> There is no
                        consistent financial advantage to deducting a partial withdrawal from any specific Allocation Option. </font>
                  </td>
                </tr>

            </table>
          </div>
          <div style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;margin-top:12pt;text-align:left;text-decoration:none;text-transform:uppercase;">Calculating Performance Credits</div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;">We base Performance Credits on Index Values and
            Index Returns. We measure Index Values on the Index Effective Date and subsequent Index Anniversaries using the Index&#8217;s price at the end of the Business Day as provided by Bloomberg or another market source if Bloomberg is not available. If the
            Index Anniversary is a non-Business Day we use the next Business Day&#8217;s Index price. If you select the EURO STOXX 50<sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;">&#174;</sup>, we determine Index Returns without any exchange rate</div>
        </div>
        <div type="Block" style="margin-top:12pt;width:100%;">
          <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:0.5pt solid #000000;height:0.5pt;width:100%;">
          <div style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:13pt;margin-bottom:2pt;margin-top:2pt;text-align:center;text-decoration:none;text-transform:none;"> Allianz Index Advantage <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#174; </sup> New York Variable Annuity Prospectus &#8211; April 29, 2022 </div>
        </div>
        <div type="Block" style="margin-top:4pt;width:100%;">
          <div style="color:#000000;font-family:Arial;font-size:9pt;font-style:Normal;font-weight:bold;line-height:12pt;text-align:center;text-decoration:none;text-transform:none;">&#160;38&#160;</div>
        </div>
      </div>
      <div style="clear:both;font-size:12pt;height:0pt;">
      </div>
      <hr style="margin-bottom:0pt;">
      <p style="margin:0pt;page-break-before:always;">&#160;
      </p>
      <div style="width:100%;">
        <a name="xx_f7d8855a-293d-4d8e-a067-19a772794dc6_25">
        </a>
        <div style="font-family:Arial;font-size:7pt;line-height:10pt;font-weight:Normal;text-transform:none;text-align:left;vertical-align:bottom;padding-bottom:10pt;">
          <a href="#JOB_Index_3271f810-de27-47d4-9b4d-756928a3a1d0_va-toc">
            Table of Contents
          </a>
        </div>
        <div type="Block" style="width:100%;">
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;text-align:left;text-decoration:none;text-transform:none;">adjustment. <font style="font-style:italic;font-weight:bold;">Because
              we calculate Index Returns only on Index Anniversaries, the Index Return does not necessarily reflect the highest or lowest Index Values that occurred during an Index Year.</font></div>
          <div style="text-align:center;">
            <table cellspacing="0" cellpadding="0" id="zb01b8a91a1734110bea12cbc5a8bab7d" style="border-bottom:0.5pt solid #000000;border-collapse:collapse;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;margin-left:auto;margin-right:auto;margin-top:6pt;width:98.99%;">

                <tr style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;padding-bottom:1.75pt;padding-left:4pt; padding-right:4pt;padding-top:4pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:bottom;width:18.00%;"> Crediting Method
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;padding-bottom:1.75pt;padding-left:4pt; padding-right:4pt;padding-top:4pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:41.00%;"> If Index Value is less than it was on the <br>

                      prior Index Anniversary* <br>

                      (i.e., Index Return is negative):
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;padding-bottom:1.75pt;padding-left:4pt;padding-right:4pt; padding-top:4pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:41.00%;"> If Index Value is equal to or greater than it was on the prior Index Anniversary* <br>

                      (i.e., Index Return is zero or positive):
                    </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;padding-left:4pt;padding-right:4pt; padding-top:1.75pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:18.00%;"> Index Protection NY Strategy
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:4pt;padding-right:4pt; padding-top:1.75pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:41.00%;"> Performance Credit is equal to the negative Index Return in excess of the 30% Buffer. If the Index Return is&#8230; <br>

                      &#8226;&#8194;-12%, the Performance Credit is zero. <br>

                      &#8226;&#8194;-32%, the Performance Credit is -2%.
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:4pt;padding-right:4pt;padding-top:1.75pt;text-align:left; text-decoration:none;text-transform:none;vertical-align:top;width:41.00%;"> Performance Credit is equal to the Index Return subject to the Cap set on the prior Index Anniversary Assume the Cap is 5%. If the Index Return is&#8230; <br>

                      &#8226;&#8194;0%, the Performance Credit is zero. <br>

                      &#8226;&#8194;4%, the Performance Credit is 4%. <br>

                      &#8226;&#8194;12%, the Performance Credit is 5%.
                    </td>
                </tr>
                <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;padding-left:4pt;padding-right:4pt; padding-top:1.75pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:18.00%;"> Index Performance Strategy
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:4pt;padding-right:4pt; padding-top:1.75pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:41.00%;"> Performance Credit is equal to the negative Index Return in excess of the 10% Buffer. If the Index Return is&#8230; <br>

                      &#8226;&#8194;-8%, the Performance Credit is zero. <br>

                      &#8226;&#8194;-12%, the Performance Credit is -2%.
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:4pt;padding-right:4pt;padding-top:1.75pt;text-align:left; text-decoration:none;text-transform:none;vertical-align:top;width:41.00%;"> Performance Credit is equal to the Index Return up to the Cap set on the prior Index Anniversary Assume the Cap is 8%. If the Index Return is&#8230; <br>

                      &#8226;&#8194;0%, the Performance Credit is zero. <br>

                      &#8226;&#8194;6%, the Performance Credit is 6%. <br>

                      &#8226;&#8194;12%, the Performance Credit is 8%.
                    </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td colspan="3" style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:4pt;padding-left:4pt;padding-right:4pt; padding-top:1.75pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:100%;"> *&#8194; Or the Index Effective Date if this is the first Index Anniversary.
                    </td>
                </tr>

            </table>
          </div>
          <div style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;margin-top:12pt;text-align:left;text-decoration:none;text-transform:uppercase;">Daily Adjustment</div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-bottom:2pt;margin-top:2pt;text-align:left;text-decoration:none;text-transform:none;"> We designed the Daily
              Adjustment to provide an Index Option Value during the Index Year on days other than the Index Effective Date or an Index Anniversary. The Daily Adjustment can affect the amounts available for withdrawal, annuitization, payment of the death
              benefit, and the Contract Value used to determine the Charge Base and contract maintenance charge. It is discussed in the Summary of the Index Options - What is the Daily Adjustment?; and in Risk Factors &#8211; Risk of Negative Returns. The Daily
              Adjustment formula is described in Appendix B and in Exhibit 99(a) of the Form S-1 Registration Statement filed with the SEC, of which this prospectus is a part. This information is incorporated by reference into this prospectus. You can
              obtain a copy of Exhibit 99(a) by calling (800) 624-0197, or visiting our website at <font style="color:#0000FF;text-decoration:underline;"> allianzlife.com/new-york </font> . </div>
          <div style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:uppercase;">Performance Locks</div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;">We must receive a manual Performance Lock request
            in Good Order before the end of the current Business Day to lock an Index Option on that day. Otherwise the Lock Date will occur on the next Business Day that your request is in Good Order. We do not allow Performance Locks to occur on Index
            Anniversaries. For requests submitted in writing, we do not consider the request to be received until it arrives at our Service Center.</div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-bottom:2pt;margin-top:2pt;text-align:left;text-decoration:none;text-transform:none;"> You (or your Financial
              Professional, if authorized) can request an automatic Performance Lock based on targets you set only through your account on our website. When you establish your account you must provide us with an email address. You can set upper and/or
              lower targets for each Index Option each Index Year. <font style="font-style:italic;font-weight:bold;"> Setting a target close to the current Index Option Value return may cause a Performance Lock to occur very quickly. </font>
              You can change or cancel targets at any time before we execute a Performance Lock. Each Index Option&#8217;s targets automatically expire on the earlier of the Lock Date, or the last Business Day before the Index Anniversary. You can also
              &#8220;over-ride&#8221; a target by requesting a manual Performance Lock before the target is reached. We determine if a target is reached using the Index Option Value return determined at the end of the prior Business Day using the prior day&#8217;s Daily
              Adjustment. We then execute the Performance Lock using the Index Option Value return determined at the end of Business Day on the Lock Date. <font style="font-style:italic;font-weight:bold;"> By setting targets you are authorizing us to
                automatically execute a Performance Lock at the end of the Business Day on the Lock Date upon which the target is reached, unless you cancel the lock. </font> We will send an email notice once the Daily Adjustment for an Index Option
              reaches a target. To cancel an automatic Performance Lock after a target is reached, we must receive your request in Good Order <font style="font-weight:bold;"> before </font> the end of the Business Day on the Lock Date. </div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;">For example, assume the Cap for the Index
            Performance Strategy with the S&amp;P 500<sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;">&#174;</sup> Index is 10.25% and you set a target of 9.50%. On a Tuesday, your Index Option Value return (which includes the Daily Adjustment)
            determined at the end of the Business Day is 9.63%. We will send you an email notice and assuming Wednesday is a Business Day, we will execute the Performance Lock on Wednesday (which will be your Lock Date) using the Index Option Value return
            determined at the end of the Business Day. If Wednesday is a non-Business Day, your Lock Date would instead be Thursday (assuming it</div>
        </div>
        <div type="Block" style="margin-top:4pt;width:100%;">
          <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:0.5pt solid #000000;height:0.5pt;width:100%;">
          <div style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:13pt;margin-bottom:2pt;margin-top:2pt;text-align:center;text-decoration:none;text-transform:none;"> Allianz Index Advantage <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#174; </sup> New York Variable Annuity Prospectus &#8211; April 29, 2022 </div>
        </div>
        <div type="Block" style="margin-top:4pt;width:100%;">
          <div style="color:#000000;font-family:Arial;font-size:9pt;font-style:Normal;font-weight:bold;line-height:12pt;text-align:center;text-decoration:none;text-transform:none;">&#160;39&#160;</div>
        </div>
      </div>
      <div style="clear:both;font-size:12pt;height:0pt;">
      </div>
      <hr style="margin-bottom:0pt;">
      <p style="margin:0pt;page-break-before:always;">&#160;
      </p>
      <div style="width:100%;">
        <a name="xx_f7d8855a-293d-4d8e-a067-19a772794dc6_26">
        </a>
        <div style="font-family:Arial;font-size:7pt;line-height:10pt;font-weight:Normal;text-transform:none;text-align:left;vertical-align:bottom;padding-bottom:10pt;">
          <a href="#JOB_Index_3271f810-de27-47d4-9b4d-756928a3a1d0_va-toc">
            Table of Contents
          </a>
        </div>
        <div type="Block" style="width:100%;">
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;text-align:left;text-decoration:none;text-transform:none;">is a Business Day). <font style="font-style:italic;font-weight:bold;">Note that the Index Option Value return on the Lock Date could be greater or less than your target of 9.50%, or Tuesday&#8217;s Index Option Value return of 9.63%.</font></div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-bottom:2pt;margin-top:2pt;text-align:left;text-decoration:none;text-transform:none;"> A Performance Lock can be
              executed once each Index Year for each of these Index Options. A Performance Lock applies to the total Index Option Value in an Index Option, and not just a portion of that Index Option Value. We use the Daily Adjustment calculated at the end
              of the current Business Day on the Lock Date to determine your locked Index Option Value. This &#8220;locked&#8221; Index Option Value may be more or less than the &#8220;unlocked&#8221; Index Option Value that is available for your review on the Lock Date because
              the unlocked Index Option Value was determined at the end of the <font style="font-weight:bold;"> prior </font> Business Day. After the Lock Date, the Index Option Value stays in the locked Index Option for the remainder of the
              Term, Daily Adjustments do not apply for the remainder of the Index Year and the locked Index Option Value will not receive a Performance Credit on the next Index Anniversary. For example, assume you selected one Index Option and your Index
              Option Value available for review in your account today is $20,326. If before the end of the Business Day you request a Performance Lock, today is your Lock Date. If your Index Option Value at the end of the Business Day is $20,250, you will
              lock in this $20,250 and it will not change until the next Index Anniversary. However, a locked Index Option Value can decrease if you take a partial withdrawal or when we deduct a Contract fee, expense, or a financial adviser fee that you
              choose to have us pay from this Contract. On the next Index Anniversary that occurs immediately after the Lock Date, all locked Index Options will be unlocked, we will transfer the locked Index Option Value according to your instructions, and
              Daily Adjustments will again apply for the new Index Year. If you do not provide us with transfer instructions, the Index Option Value will remain in the same Index Option. </div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;"> A Performance Lock can help eliminate doubt
              about future Index performance and possibly limit the impact of a negative Performance Credit you would otherwise receive. The disadvantage of executing a Performance Lock is that the relevant Index Value could increase before the end of the
              Index Year, and you will not participate in that increase. In addition, if you execute a Performance Lock, you may receive less than the full protection of the Buffer that you would have received if you waited for us to apply the Performance
              Credit on the next Index Anniversary. </div>
          <div style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:uppercase;">Optional Reallocation Program</div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;">Index Option performance may cause the percentage
            of total Index Option Value in each Index Option to change. Reallocating can help you maintain your selected Index Option allocation percentages. You can direct us to automatically reallocate your Index Option Values on each Index Anniversary
            (or on the next Business Day if the Index Anniversary is a non-Business Day) according to your instructions. We must receive your reallocation instructions in Good Order at our Service Center before the end of the Business Day we reallocate. We
            reserve the right to discontinue or modify the optional reallocation program at any time and for any reason. To end this program, we must receive your request at our Service Center before the end of the last Business Day immediately before the
            Index Anniversary.</div>
          <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:2pt solid #000000;height:2pt;width:100%;">
          <div style="color:#000000;font-family:Arial;font-size:11pt;font-style:Normal;font-weight:Normal;line-height:13pt;margin-top:5pt;text-align:left;text-decoration:none;text-transform:lowercase;"> 5. <font style="text-transform:uppercase;"> &#160;&#160;Variable
                Options </font></div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;"> Information regarding each Variable Option,
              including its (i) name, (ii) investment objectives, (iii) investment adviser and any subadviser, (iv) current expenses, and (v) performance is available in Appendix G &#8211; Variable Options Available Under the Contract. Each Variable Option has
              issued a prospectus that contains more detailed information about the Variable Option. You should read the prospectuses for the Variable Options carefully before investing. The Variable Options&#8217; prospectuses and other information can be found
              online at <font style="color:#0000FF;text-decoration:underline;"> allianzlife.com/new-york/variableoptions </font> . You can also request this information at no cost by calling (800) 624-0197, by sending an email request to
              contact.us@allianzlife.com, or by contacting your Financial Professional. </div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;"> There are potential risks associated with this
              Contract&#8217;s Variable Options and their investment strategies. Depending on market conditions, you can gain or lose value by investing in the Variable Options. In the future, we may add, eliminate or substitute Variable Options to the extent
              permitted by the federal securities laws and, when required, the SEC. </div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;"> Currently, the Variable Options are not
              publicly available mutual funds. They are available only as Variable Options in variable annuity contracts or variable life insurance policies issued by life insurance companies or in some cases, through participation in certain qualified
              pension or retirement plans. A material conflict of interest may arise between insurance companies, owners of different types of contracts, and retirement plans or their participants. Each Variable Option's Board of Directors monitors for
              material conflicts, and determines what action, if any, should be taken to address any conflicts. </div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;"> The names, investment objectives and policies
              of certain Variable Options may be similar to the names, investment objectives and policies of other portfolios managed by the same investment advisers. Although the names, objectives and policies may be similar, the Variable Options'
              investment results may be higher or lower than these other portfolios&#8217; </div>
        </div>
        <div type="Block" style="margin-top:4pt;width:100%;">
          <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:0.5pt solid #000000;height:0.5pt;width:100%;">
          <div style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:13pt;margin-bottom:2pt;margin-top:2pt;text-align:center;text-decoration:none;text-transform:none;"> Allianz Index Advantage <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#174; </sup> New York Variable Annuity Prospectus &#8211; April 29, 2022 </div>
        </div>
        <div type="Block" style="margin-top:4pt;width:100%;">
          <div style="color:#000000;font-family:Arial;font-size:9pt;font-style:Normal;font-weight:bold;line-height:12pt;text-align:center;text-decoration:none;text-transform:none;">&#160;40&#160;</div>
        </div>
      </div>
      <div style="clear:both;font-size:12pt;height:0pt;">
      </div>
      <hr style="margin-bottom:0pt;">
      <p style="margin:0pt;page-break-before:always;">&#160;
      </p>
      <div style="width:100%;">
        <a name="xx_f7d8855a-293d-4d8e-a067-19a772794dc6_27">
        </a>
        <div style="font-family:Arial;font-size:7pt;line-height:10pt;font-weight:Normal;text-transform:none;text-align:left;vertical-align:bottom;padding-bottom:10pt;">
          <a href="#JOB_Index_3271f810-de27-47d4-9b4d-756928a3a1d0_va-toc">
            Table of Contents
          </a>
        </div>
        <div type="Block" style="width:100%;">
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;text-align:left;text-decoration:none;text-transform:none;"> results. The investment advisers cannot guarantee, and make
              no representation, that these similar funds' investment results will be comparable even though the Variable Options have the same names, investment advisers, objectives, and policies. </div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;"> Each Variable Option offered by the Allianz
              Variable Insurance Products Fund of Funds Trust (Allianz VIP Fund of Funds Trust) is a &#8220;fund of funds&#8221; and diversifies its assets by investing primarily in shares of several other affiliated mutual funds. </div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;"> The Variable Options may pay 12b-1 fees to the
              Contracts&#8217; distributor, our affiliate, Allianz Life Financial Services, LLC, for distribution and/or administrative services. In addition, we may enter into certain arrangements under which we, or Allianz Life Financial Services, LLC, are
              compensated by the Variable Options' advisers, distributors and/or affiliates for administrative services and benefits we provide to these Variable Options. The compensation amount usually is based on the Variable Options' aggregate assets
              purchased through contracts we issue or administer. Some advisers may pay us more or less than others. The maximum service fee we currently receive from any variable investment option in any variable annuity contract we offer is 0.35%
              annually of the average aggregate amount invested by us in the variable investment options. </div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;"> The Allianz VIP Fund of Funds Trust underlying
              funds do not pay 12b-1 fees or service fees to the Trust, and the Trust does not charge 12b-1 fees or service fees. The Allianz VIP Fund of Funds Trust underlying funds or their advisers may pay service fees to us and our affiliates for
              providing customer service and other administrative services to you. Service fees may vary depending on the underlying fund. </div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;"> We offer other variable annuity contracts that
              may invest in these Variable Options. These contracts may have different charges and may offer different benefits more appropriate to your needs. For more information about these contracts, please contact our Service Center. </div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;"> Allianz Investment Management LLC, the
              Variable Options' investment adviser, is affiliated with us through common ownership. </div>
          <div style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:uppercase;"> Substitution of Variable Options and
              Limitation on Further Investments </div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;"> We may substitute another Variable Option for
              one of your selected Variable Options, for any reason in our sole discretion. To the extent required by the Investment Company Act of 1940 or other applicable law, we do not substitute any shares without SEC approval and providing you notice.
              We may make substitutions with respect to your existing allocations, future Purchase Payment allocations, or both. New or substitute Variable Options may have different fees and expenses, and their availability may be limited to certain
              purchaser classes. We may limit further Variable Option allocations if marketing, tax or investment considerations warrant, or for any reason in our sole discretion. We may also close Variable Options to additional allocations. The fund
              companies that sell Variable Option shares to us, pursuant to participation agreements, may end those agreements and discontinue offering us their shares. </div>
          <div style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:uppercase;"> Transfers Between Variable Options </div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;"> You can transfer Variable Account Value among
              the Variable Options on any Business Day. Transfers may be subject to a transfer fee as stated in section 6, Expenses. </div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;"> The following applies to any transfer. </div>
          <div style="text-align:left;">
            <table cellspacing="0" cellpadding="2" id="z82049b0eadf541c98175caf07f6c57a0" style="border-collapse:collapse;empty-cells:show;margin-top:3pt;width:100%;">

                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;"> &#8226;
                    </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;"> Your request for a transfer must clearly state the Variable Options involved and how much to transfer.
                    </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;"> &#8226;
                    </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;"> Your right to make transfers is subject to the Excessive Trading and Market Timing policy discussed later in this section.
                    </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-bottom:0pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:2.83%;"> &#8226;
                    </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-bottom:0pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;width:97.17%;"> Variable Account Value transfers between Variable Options do not change your Purchase Payment default instructions.
                    </td>
                </tr>

            </table>
          </div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-bottom:2pt;margin-top:2pt;text-align:left;text-decoration:none;text-transform:none;"> Any amount held in the AZL
              Government Money Market Fund that is set to be allocated to an Index Option on the Index Effective Date or an Index Anniversary will not be transferred to the Index Option if it is transferred to another Variable Option. </div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;"> We process transfer requests based on prices
              next determined after we receive your request in Good Order at our Service Center. If we do not receive your transfer request <font style="font-weight:bold;"> before </font> the end of the <font style="font-weight:bold;"> current </font>
              Business Day, even if due to our delay in answering your call or a delay caused by our electronic systems, you receive the <font style="font-weight:bold;"> next </font> Business Day&#8217;s prices. For jointly owned Contracts, unless
              you require us to obtain signatures from both Joint Owners, we accept transfer instructions from any Joint Owner. We may also allow you to authorize someone else to request transfers on your behalf. </div>
        </div>
        <div type="Block" style="margin-top:11pt;width:100%;">
          <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:0.5pt solid #000000;height:0.5pt;width:100%;">
          <div style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:13pt;margin-bottom:2pt;margin-top:2pt;text-align:center;text-decoration:none;text-transform:none;"> Allianz Index Advantage <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#174; </sup> New York Variable Annuity Prospectus &#8211; April 29, 2022 </div>
        </div>
        <div type="Block" style="margin-top:4pt;width:100%;">
          <div style="color:#000000;font-family:Arial;font-size:9pt;font-style:Normal;font-weight:bold;line-height:12pt;text-align:center;text-decoration:none;text-transform:none;">&#160;41&#160;</div>
        </div>
      </div>
      <div style="clear:both;font-size:12pt;height:0pt;">
      </div>
      <hr style="margin-bottom:0pt;">
      <p style="margin:0pt;page-break-before:always;">&#160;
      </p>
      <div style="width:100%;">
        <a name="xx_f7d8855a-293d-4d8e-a067-19a772794dc6_28">
        </a>
        <div style="font-family:Arial;font-size:7pt;line-height:10pt;font-weight:Normal;text-transform:none;text-align:left;vertical-align:bottom;padding-bottom:10pt;">
          <a href="#JOB_Index_3271f810-de27-47d4-9b4d-756928a3a1d0_va-toc">
            Table of Contents
          </a>
        </div>
        <div type="Block" style="width:100%;">
          <div style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;margin-bottom:2pt;margin-top:2pt;text-align:left;text-decoration:none;text-transform:uppercase; "> Electronic Transfer and Allocation Instructions </div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;"> We use reasonable procedures to confirm that
              electronic transfer request or allocation instructions given to us are genuine. If we do not use such procedures, we may be liable for any losses due to unauthorized or fraudulent instructions. We record telephone instructions and log all
              fax, email and website instructions. We reserve the right to deny any transfer request or allocation instruction change, and to discontinue or modify our electronic instruction privileges at any time for any reason. </div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;"> Please note that telephone, fax, email and/or
              the website may not always be available. Any electronic system, whether it is ours, yours, your service provider&#8217;s, or your Financial Professional&#8217;s, can experience outages or slowdowns for a variety of reasons, which may delay or prevent our
              processing of your transfer request or allocation instruction change. Although we have taken precautions to help our systems handle heavy use, we cannot promise complete reliability. If you are experiencing problems, you should submit your
              instructions in writing to our Service Center. </div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;"> By authorizing electronic instructions, you
              authorize us to accept and act upon these instructions for your Contract. There are risks associated with electronic communications that do not occur with a written request. Anyone authorizing or making such requests bears those risks. You
              should protect your website password, because the website is available to anyone with your password; we cannot verify that the person providing instructions on the website is you, or is authorized by you. </div>
          <div style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:uppercase;"> Excessive Trading and Market Timing </div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;"> We discourage and do not accommodate frequent
              transfers. We may restrict or modify your right to make transfers to prevent any use that we consider to be part of a market timing program. </div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;"> Frequent transfers, programmed transfers,
              transfers into and then out of a Variable Option in a short period of time, and transfers of large amounts at one time (collectively referred to as &#8220;potentially disruptive trading&#8221;) may have harmful effects for other Owners, Annuitants and
              Beneficiaries. These risks and harmful effects include the following. </div>
          <div style="text-align:left;">
            <table cellspacing="0" cellpadding="2" id="z827e150ae06b4bafae19a2cc88fe6c93" style="border-collapse:collapse;empty-cells:show;margin-top:2pt;width:100%;">

                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;"> &#8226;
                    </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;"> Dilution of the interests of long-term investors in a Variable Option, if market timers or others transfer into a Variable Option at prices that are below their true value, or transfer out at prices above their true
                      value.
                    </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;"> &#8226;
                    </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;"> An adverse effect on portfolio management, such as causing a Variable Option to maintain a higher level of cash or causing a Variable Option to liquidate investments prematurely.
                    </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-bottom:0pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:2.83%;"> &#8226;
                    </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-bottom:0pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;width:97.17%;"> Increased brokerage and administrative expenses.
                    </td>
                </tr>

            </table>
          </div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-bottom:2pt;margin-top:2pt;text-align:left;text-decoration:none;text-transform:none;"> We attempt to protect our
              Owners and the Variable Options from potentially disruptive trading through our Excessive Trading and Market Timing policies and procedures. Under these policies and procedures, we may modify your transfer privileges for some or all of the
              Variable Options as follows: </div>
          <div style="text-align:left;">
            <table cellspacing="0" cellpadding="2" id="z31a432cb356442da859814483e19d9b8" style="border-collapse:collapse;empty-cells:show;margin-top:2pt;width:100%;">

                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;"> &#8226;
                    </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;"> Limit transfer frequency (for example, prohibit more than one transfer a week, or more than two a month, etc.).
                    </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;"> &#8226;
                    </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;"> Restrict the transfer method (for example, requiring all transfers be sent by first-class U.S. mail and rescinding electronic transfer privileges).
                    </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;"> &#8226;
                    </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;"> Require a minimum time period between each transfer into or out of the same Variable Option. Our current Excessive Trading and Market Timing policy, which is subject to change without notice, prohibits &#8220;round trips&#8221;
                      within 14 calendar days. We do not include transfers into and/or out of the AZL Government Money Market Fund when available in your Contract or any automatic transfers made under any of our programs or Contract features. Round trips
                      are transfers into and back out of the same Variable Option, or transfers out of and back into the same Variable Option.
                    </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;"> &#8226;
                    </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;"> Refuse transfer requests made on your behalf by an asset allocation and/or market timing service.
                    </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;"> &#8226;
                    </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;"> Limit the dollar amount of any single Purchase Payment or transfer request to a Variable Option.
                    </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;"> &#8226;
                    </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;"> Prohibit transfers into specific Variable Options.
                    </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-bottom:0pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:2.83%;"> &#8226;
                    </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-bottom:0pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;width:97.17%;"> Impose other limitations or restrictions to the extent permitted by federal securities laws.
                    </td>
                </tr>

            </table>
          </div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-bottom:2pt;margin-top:2pt;text-align:left;text-decoration:none;text-transform:none;"> We also reserve the right to
              reject any specific Purchase Payment allocation or transfer request from any person if in the investment adviser&#8217;s, subadviser&#8217;s or our judgment, a Variable Option may be unable to invest effectively in accordance with its investment
              objectives and policies. This could occur, for example, where frequent or rapid trading causes the investment adviser to hold an excess of uninvested cash to meet redemption requests, or to sell investment positions to fund redemptions,
              thereby affecting Variable Option returns. Similarly, rapid or frequent trading may cause a Variable Option to incur excessive transaction fees, which also could affect performance. </div>
        </div>
        <div type="Block" style="margin-top:5pt;width:100%;">
          <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:0.5pt solid #000000;height:0.5pt;width:100%;">
          <div style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:13pt;margin-bottom:2pt;margin-top:2pt;text-align:center;text-decoration:none;text-transform:none;"> Allianz Index Advantage <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#174; </sup> New York Variable Annuity Prospectus &#8211; April 29, 2022 </div>
        </div>
        <div type="Block" style="margin-top:4pt;width:100%;">
          <div style="color:#000000;font-family:Arial;font-size:9pt;font-style:Normal;font-weight:bold;line-height:12pt;text-align:center;text-decoration:none;text-transform:none;">&#160;42&#160;</div>
        </div>
      </div>
      <div style="clear:both;font-size:12pt;height:0pt;">
      </div>
      <hr style="margin-bottom:0pt;">
      <p style="margin:0pt;page-break-before:always;">&#160;
      </p>
      <div style="width:100%;">
        <a name="xx_f7d8855a-293d-4d8e-a067-19a772794dc6_29">
        </a>
        <div style="font-family:Arial;font-size:7pt;line-height:10pt;font-weight:Normal;text-transform:none;text-align:left;vertical-align:bottom;padding-bottom:10pt;">
          <a href="#JOB_Index_3271f810-de27-47d4-9b4d-756928a3a1d0_va-toc">
            Table of Contents
          </a>
        </div>
        <div type="Block" style="width:100%;">
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-bottom:2pt;margin-top:2pt;text-align:left;text-decoration:none;text-transform:none;"> We retain some discretion in
              determining what actions constitute potentially disruptive trading and in determining when and how to impose trading restrictions. Currently, we attempt to <font style="font-weight:bold;"> deter </font> disruptive trading as
              follows. If a transfer(s) is/are identified as potentially disruptive trading, we may (but are not required to) send a warning letter. If the conduct continues and we determine it constitutes disruptive trading, we also impose transfer
              restrictions. Transfer restrictions may include refusing electronic transfers and requiring all transfers be sent by first-class U.S. mail. If the disruptive trading affects only a single Variable Option, we may prohibit transfers into or
              Purchase Payment allocations to that Variable Option. We do not enter into agreements permitting market timing and would not permit activities determined to be disruptive trading to continue. We also reserve the right to impose transfer
              restrictions if we determine, in our sole discretion, that transfers disadvantage other Owners. We notify you in writing if we impose transfer restrictions on you. </div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;"> We adopted these policies and procedures as a
              preventative measure to protect all Owners from the potential effects of disruptive trading, while also abiding by your legitimate interest in diversifying your investment and making periodic asset re-allocations based on your personal
              situation or overall market conditions. We attempt to protect your interests in making legitimate transfers by providing reasonable and convenient transfer methods that do not harm other Owners. </div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;"> We may make exceptions when imposing transfer
              restrictions if we determine a transfer is appropriate, although it may technically violate our policies and procedures discussed here. In determining if a transfer is appropriate, we may, but are not required to, take into consideration its
              relative size, whether it was purely a defensive transfer into the AZL Government Money Market Fund, and whether it involved an error or similar event. We may also reinstate electronic transfer privileges after we revoke them, but we do not
              reinstate these privileges if we believe they might be used for future disruptive trading. </div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;"> We cannot guarantee the following. </div>
          <div style="text-align:left;">
            <table cellspacing="0" cellpadding="2" id="z41f4bf320804473583e7d773d2ae2355" style="border-collapse:collapse;empty-cells:show;margin-top:2pt;width:100%;">

                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;"> &#8226;
                    </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;"> Our monitoring will be 100% successful in detecting all potentially disruptive trading activity.
                    </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-bottom:0pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:2.83%;"> &#8226;
                    </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-bottom:0pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;width:97.17%;"> Revoking electronic transfer privileges will successfully deter all potentially disruptive trading.
                    </td>
                </tr>

            </table>
          </div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-bottom:2pt;margin-top:2pt;text-align:left;text-decoration:none;text-transform:none;"> In addition, some of the
              Variable Options are available to other insurance companies and we do not know if they adopted policies and procedures to detect and deter potentially disruptive trading, or what their policies and procedures might be. Because we may not be
              completely successful at detecting and preventing market timing activities, and other insurance companies that offer the Variable Options may not have adopted adequate market timing procedures, there is some risk that market timing activity
              may occur and negatively affect other Owners. </div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;"> We may, without prior notice to any party,
              take whatever action we deem appropriate to comply with any state or federal regulatory requirement. In addition, purchase orders for a Variable Option&#8217;s shares are subject to acceptance by that Variable Option&#8217;s manager. We reserve the right
              to reject, without prior notice, any Variable Option transfer request or Purchase Payment if the purchase order is rejected by the investment manager. We have entered into agreements required under SEC Rule 22c-2 (Rule 22c-2 agreements)
              whereby, upon request by an underlying fund or its designee, we must provide information about you and your trading activities to the underlying fund or its designee. Under the terms of the Rule 22c-2 agreements, we are required to: (1)
              provide details concerning every purchase, redemption, transfer, or exchange of Variable Options during a specified period; and (2) restrict your trading activity if the party receiving the information so requests. Under certain Rule 22c-2
              agreements, if we fail to comply with a request to restrict trading activity, the underlying fund or its designee may refuse to accept buy orders from us until we comply. </div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;"> Variable Options may add or change policies
              designed to restrict market timing activities. For example, Variable Options may impose restrictions on transfers between Variable Options in an affiliated group if the investment adviser to one or more of the Variable Options determines that
              the person requesting the transfer has engaged, or is engaging in, market timing or other abusive trading activities. In addition, a Variable Option may impose a short-term trading fee on purchases and sales within a specified period. You
              should review the Variable Options&#8217; prospectuses regarding any applicable transfer restrictions and the imposition of any fee to discourage short-term trading. The imposition of these restrictions would occur as a result of Variable Option
              restrictions and actions taken by the Variable Options&#8217; managers. </div>
          <div style="text-align:center;">
            <table cellspacing="0" cellpadding="0" id="z3f8a84dca5ad40e097811059fbab1873" style="border-bottom:0.5pt solid #000000;border-collapse:collapse;border-top:0.5pt solid #000000;empty-cells:show;margin-left:auto;margin-right:auto;margin-top:6pt;width:99.60%;">

                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-bottom:4pt;padding-left:4pt;padding-right:4pt;padding-top:4pt;text-align:left; text-decoration:none;text-transform:none;vertical-align:top;width:100%;"> This Contract is not designed for professional market timing organizations, or other persons using programmed, large, or frequent transfers, and we may restrict
                      excessive or inappropriate transfer activity.
                    </td>
                </tr>

            </table>
          </div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-bottom:2pt;margin-top:2pt;text-align:left;text-decoration:none;text-transform:none;"> The retention of some level
              of discretion by us may result in disparate treatment among persons engaging in potentially disruptive trading, and it is possible that some persons could experience adverse consequences if others are able to engage in potentially disruptive
              trading practices that have negative effects. </div>
        </div>
        <div type="Block" style="margin-top:5pt;width:100%;">
          <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:0.5pt solid #000000;height:0.5pt;width:100%;">
          <div style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:13pt;margin-bottom:2pt;margin-top:2pt;text-align:center;text-decoration:none;text-transform:none;"> Allianz Index Advantage <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#174; </sup> New York Variable Annuity Prospectus &#8211; April 29, 2022 </div>
        </div>
        <div type="Block" style="margin-top:4pt;width:100%;">
          <div style="color:#000000;font-family:Arial;font-size:9pt;font-style:Normal;font-weight:bold;line-height:12pt;text-align:center;text-decoration:none;text-transform:none;">&#160;43&#160;</div>
        </div>
      </div>
      <div style="clear:both;font-size:12pt;height:0pt;">
      </div>
      <hr style="margin-bottom:0pt;">
      <p style="margin:0pt;page-break-before:always;">&#160;
      </p>
      <div style="width:100%;">
        <a name="xx_f7d8855a-293d-4d8e-a067-19a772794dc6_30">
        </a>
        <div style="font-family:Arial;font-size:7pt;line-height:10pt;font-weight:Normal;text-transform:none;text-align:left;vertical-align:bottom;padding-bottom:10pt;">
          <a href="#JOB_Index_3271f810-de27-47d4-9b4d-756928a3a1d0_va-toc">
            Table of Contents
          </a>
        </div>
        <div type="Block" style="width:100%;">
          <div style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;margin-bottom:2pt;margin-top:2pt;text-align:left;text-decoration:none;text-transform:uppercase;"> Voting Privileges </div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;"> We legally own the Variable Option shares.
              However, when a Variable Option holds a shareholder vote that affects your investment, we ask you to give us voting instructions. We then vote all of our shares, including any we own on our behalf, in proportion to those instructions. Because
              most Owners do not give us instructions and we vote shares proportionally, a small number of Owners may determine a vote&#8217;s outcome. If we determine we no longer need to get your voting instructions, we will decide how to vote the shares. Only
              Owners have voting privileges. Annuitants, Beneficiaries, Payees and other persons have no voting privileges unless they are also Owners. </div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;"> We determine your voting interest in a
              Variable Option as follows: </div>
          <div style="text-align:left;">
            <table cellspacing="0" cellpadding="2" id="zaa149a9a63514b968c6af0edb6752006" style="border-collapse:collapse;empty-cells:show;margin-top:2pt;width:100%;">

                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;"> &#8226;
                    </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;"> You can provide voting instructions based on the dollar value of the Variable Option&#8217;s shares in your Contract&#8217;s subaccount. We calculate this value based on the number and value of accumulation units for your Contract
                      on the record date. We count fractional units.
                    </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-bottom:0pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:2.83%;"> &#8226;
                    </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:0pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;width:97.17%;"> You receive proxy materials and a voting instruction form.
                    </td>
                </tr>

            </table>
          </div>
          <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:2pt solid #000000;height:2pt;width:100%;">
          <div style="color:#000000;font-family:Arial;font-size:11pt;font-style:Normal;font-weight:Normal;line-height:13pt;margin-top:5pt;text-align:left;text-decoration:none;text-transform:lowercase;">6.<font style="text-transform:uppercase;">&#160;&#160;Expenses</font></div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;">Contract fees and expenses reduce your investment
            return and are described here in detail. We set the Contract fees and expenses on the Issue Date and they cannot change.</div>
          <div style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;margin-bottom:2pt;margin-top:2pt;text-align:left;text-decoration:none;text-transform:uppercase;"> Base Contract Expenses
              (Product Fee) </div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;"> In your Contract, the base contract expense is
              referred to as the &#8220;product fee&#8221;. The product fee compensates us for providing all your Contract&#8217;s benefits, including our contractual obligation to make Annuity Payments and certain Contract and distribution expenses. The product fee also
              compensates us for assuming the expense risk that the current fee is less than future Contract administration costs as well as the cost of providing certain features under the Contract. If the product fee covers these costs and risks, any
              excess is profit to us. We anticipate making such a profit. </div>
          <div style="text-align:center;">
            <table cellspacing="0" cellpadding="0" id="ze7a936bfa9844a50bb366f357e404076" style="border-collapse:collapse;empty-cells:show;margin-left:auto;margin-right:auto;margin-top:6pt;width:100%;">

                <tr style="page-break-inside:avoid;">
                  <td style="line-height:10pt;padding-bottom:3pt;padding-right:6pt;text-align:center;vertical-align:bottom;width:79.34%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:13pt;padding-bottom:3pt;padding-left:6pt;text-align:center; text-decoration:none;text-transform:none;vertical-align:bottom;width:21.87%;"> Base Contract Expenses <br>
                    <font style="font-size:8pt;font-weight:Normal;line-height:11pt;"> (as a percentage of the <br>

                        Charge Base) </font>
                  </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;padding-left:0pt;padding-right:6pt;padding-top:1.88pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:79.34%;">
                    <div style="float:left;"> Product Fee <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> (1) </sup></div>
                    <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:4.50pt;vertical-align:auto;">
                  </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:6pt;padding-top:1.88pt;text-align:center;text-decoration:none;text-transform:none; vertical-align:bottom;white-space:nowrap;width:21.87%;"> 1.25%
                    </td>
                </tr>

            </table>
          </div>
          <div style="text-align:left;">
            <table cellspacing="0" cellpadding="0" id="z3e4a69bfb73540b08677961f6bf87cee" style="border-collapse:collapse;empty-cells:show;margin-top:9pt;width:100%;">

                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:3.64%;"> (1)
                    </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:96.36%;"> Upon the death of the Owner, we continue to assess this product fee under death benefit payment Option B, and with optional payments under death benefit payment Option C, as noted in section 10, Death Benefit.
                    </td>
                </tr>

            </table>
          </div>
        </div>
        <div type="Block" style="margin-top:286pt;width:100%;">
          <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:0.5pt solid #000000;height:0.5pt;width:100%;">
          <div style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:13pt;margin-bottom:2pt;margin-top:2pt;text-align:center;text-decoration:none;text-transform:none;"> Allianz Index Advantage <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#174; </sup> New York Variable Annuity Prospectus &#8211; April 29, 2022 </div>
        </div>
        <div type="Block" style="margin-top:4pt;width:100%;">
          <div style="color:#000000;font-family:Arial;font-size:9pt;font-style:Normal;font-weight:bold;line-height:12pt;text-align:center;text-decoration:none;text-transform:none;">&#160;44&#160;</div>
        </div>
      </div>
      <div style="clear:both;font-size:12pt;height:0pt;">
      </div>
      <hr style="margin-bottom:0pt;">
      <p style="margin:0pt;page-break-before:always;">&#160;
      </p>
      <div style="width:100%;">
        <a name="xx_f7d8855a-293d-4d8e-a067-19a772794dc6_31">
        </a>
        <div style="font-family:Arial;font-size:7pt;line-height:10pt;font-weight:Normal;text-transform:none;text-align:left;vertical-align:bottom;padding-bottom:10pt;">
          <a href="#JOB_Index_3271f810-de27-47d4-9b4d-756928a3a1d0_va-toc">
            Table of Contents
          </a>
        </div>
        <div type="Block" style="width:100%;">
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-bottom:2pt;margin-top:2pt;text-align:left;text-decoration:none;text-transform:none;"> The product fee is an
              annualized rate that we calculate and accrue on a daily basis as a percentage of the Charge Base and deduct quarterly during the Accumulation Phase as follows. </div>
          <div style="text-align:center;">
            <table cellspacing="0" cellpadding="0" id="z3f3298556be14fcd8476d2ae65333f92" style="border-bottom:0.5pt solid #000000;border-collapse:collapse;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;margin-left:auto;margin-right:auto;margin-top:6pt;width:98.58%;">

                <tr style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:9pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-bottom:2pt;padding-left:6pt; padding-right:6pt;padding-top:3pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:18.48%;"> Issue Date
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:9pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-bottom:2pt;padding-left:6pt; padding-right:6pt;padding-top:3pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:40.76%;"> Non-Quarterly Contract Anniversaries
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:9pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-bottom:2pt;padding-left:6pt;padding-right:6pt;padding-top:3pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:40.76%;"> Quarterly Contract Anniversaries*
                    </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:13pt;padding-right:6pt; padding-top:2pt;text-align:left;text-decoration:none;text-indent:-7pt;text-transform:none;vertical-align:top;width:18.48%;"> &#8226;&#8194;The Charge Base is equal to your initial Purchase Payment. &#8226;&#8194;We begin calculating and accruing the
                      daily product fee, <font style="font-weight:bold;"> on the day after the Issue Date. </font>
                  </td>
                  <td style="border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:13pt;padding-right:6pt;padding-top:2pt;text-align:left; text-decoration:none;text-indent:-7pt;text-transform:none;vertical-align:top;width:40.76%;"> &#8226;&#8194;First we calculate and accrue the daily product fee, using the Charge Base. If this is a non-Business Day we use the Charge Base from the
                      end of the prior Business Day. &#8226;&#8194;Then if this is a Business Day we increase/decrease the Charge Base as follows. <br>

                      &#8211;&#8194;If we receive an additional Purchase Payment, we increase the Charge Base by the dollar amount we receive. <br>

                      &#8211;&#8194;If you take a partial withdrawal or choose to have us pay financial adviser fees from this Contract, or we deduct Contract fees and expenses, we decrease the Charge Base by the percentage of Contract Value withdrawn (including any
                      withdrawal charge). All withdrawals you take reduce the Charge Base, even Penalty-Free Withdrawals.
                    </td>
                  <td rowspan="2" style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:13pt;padding-right:6pt;padding-top:2pt;text-align:left; text-decoration:none;text-indent:-7pt;text-transform:none;vertical-align:top;width:40.76%;"> &#8226;&#8194;First we process all daily transactions and determine your Contract Value. Daily transactions include any gains/losses due to Variable
                      Option performance or application of any Daily Adjustment (or Performance Credit if this is also an Index Anniversary), any additional Purchase Payment, any partial withdrawals you take or financial adviser fees that you choose to
                      have us pay from this Contract (including any withdrawal charge), and deductions we make for Contract fees and expenses <font style="font-style:italic;font-weight:bold;"> (including deduction of the accrued daily product fee
                        for the prior quarter). </font> All partial withdrawals you take reduce the Charge Base, even Penalty-Free Withdrawals. <br>

                      &#8211;&#8194;We deduct the accrued product fee for the prior quarter on a dollar for dollar basis from the Contract Value, and proportionately from each Allocation Option. &#8226;&#8194;Then we set the Charge Base equal to this Contract Value and we
                      calculate and accrue the <font style="font-weight:bold;"> next quarter&#8217;s </font> daily product fee using the newly set Charge Base. <font style="font-size:8pt;line-height:11pt;"> *&#8194; Or the next Business Day if the Quarterly Contract Anniversary is a non-Business Day. </font>
                  </td>
                </tr>
                <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;padding-left:6pt;padding-right:6pt; padding-top:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:40.76%;"> Example: <font style="font-weight:Normal;"> Contract Value is $125,000; Charge Base is $127,000; a $10,000 partial
                        withdrawal (including any withdrawal charge) would decrease the Charge Base by $10,160. [($10,000 &#247; $125,000) x $127,000] <br>
                    Any increase/decrease to the Charge Base will increase/decrease the daily product fee we calculate and accrue </font> on the next day.
                    </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td colspan="3" style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;line-height:12pt;padding-bottom:4pt;padding-left:6pt;padding-right:6pt;padding-top:2pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:top;width:100%;"> Examples of how we calculate the product fee are included in Appendix E.
                    </td>
                </tr>

            </table>
          </div>
          <div style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;text-align:center;text-decoration:none;text-transform:none;">&#160;&#160;&#160;&#160;</div>
          <div style="text-align:center;">
            <table cellspacing="0" cellpadding="0" id="z066400f02aa34ab1a848e9511cfa6689" style="border-bottom:0.5pt solid #000000;border-collapse:collapse;border-top:0.5pt solid #000000;empty-cells:show;margin-left:auto;margin-right:auto;margin-top:9pt;width:99.60%;">

                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-bottom:4pt;padding-left:4pt;padding-right:4pt;padding-top:4pt;text-align:left; text-decoration:none;text-transform:none;vertical-align:top;width:100%;"> We do not treat the deduction of the accrued product fee as a withdrawal when computing your Guaranteed Death Benefit Value (see section 10).
                    </td>
                </tr>

            </table>
          </div>
          <div style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;margin-top:12pt;text-align:left;text-decoration:none;text-transform:none;">Deduction of the final product fee</div>
          <div style="text-align:left;">
            <table cellspacing="0" cellpadding="0" id="zebc110c4851747cd81d853489e421bf0" style="border-collapse:collapse;empty-cells:show;margin-top:2pt;width:100%;">

                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;"> &#8226;
                    </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;"> If you take a full withdrawal we deduct the final accrued product fee before processing the withdrawal.
                    </td>
                </tr>

            </table>
          </div>
          <div style="text-align:left;">
            <table cellspacing="0" cellpadding="0" id="z37e629e7903d4c25a69fa508bce187e0" style="border-collapse:collapse;empty-cells:show;margin-top:2pt;width:100%;">

                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;">&#8226;
                  </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;">If you annuitize the Contract, we deduct the final accrued product fee before calculating Annuity Payments.
                  </td>
                </tr>

            </table>
          </div>
          <div style="text-align:left;">
            <table cellspacing="0" cellpadding="0" id="zd5dc03f8dbc343b5886c59843777dacc" style="border-collapse:collapse;empty-cells:show;margin-top:2pt;width:100%;">

                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;"> &#8226;
                    </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;"> Upon the death of an Owner (or Annuitant if the Owner is a non-individual), we deduct the final accrued product fee before calculating the death benefit if death benefit payment Option A or Annuity Payments under death
                      benefit payment Option C is selected. For more information on the death benefit payment options see section 10, Death Benefit.
                    </td>
                </tr>

            </table>
          </div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;text-align:left;text-decoration:none;text-transform:none;">&#160;&#160;&#160;&#160;</div>
          <div style="text-align:center;">
            <table cellspacing="0" cellpadding="0" id="zf25f660088dc41e691c3190671d7239c" style="border-bottom:0.5pt solid #000000;border-collapse:collapse;border-top:0.5pt solid #000000;empty-cells:show;margin-left:auto;margin-right:auto;margin-top:6pt;width:99.60%;">

                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-bottom:4pt;padding-left:4pt;padding-right:4pt;padding-top:4pt;text-align:left; text-decoration:none;text-transform:none;vertical-align:top;width:100%;">If on a Quarterly Contract Anniversary (or the next Business Day if the Quarterly Contract Anniversary is a non-Business Day) the Contract Value is less than the
                    accrued product fee, we deduct your total remaining Contract Value to cover the accrued product fee and reduce your Contract Value to zero. If the deduction of the accrued product fee reduces your Contract Value to zero and the
                    Traditional Death Benefit has ended, we treat this as a full withdrawal and your Contract ends.
                  </td>
                </tr>

            </table>
          </div>
        </div>
        <div type="Block" style="margin-top:80pt;width:100%;">
          <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:0.5pt solid #000000;height:0.5pt;width:100%;">
          <div style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:13pt;margin-bottom:2pt;margin-top:2pt;text-align:center;text-decoration:none;text-transform:none;"> Allianz Index Advantage <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#174; </sup> New York Variable Annuity Prospectus &#8211; April 29, 2022 </div>
        </div>
        <div type="Block" style="margin-top:4pt;width:100%;">
          <div style="color:#000000;font-family:Arial;font-size:9pt;font-style:Normal;font-weight:bold;line-height:12pt;text-align:center;text-decoration:none;text-transform:none;">&#160;45&#160;</div>
        </div>
      </div>
      <div style="clear:both;font-size:12pt;height:0pt;">
      </div>
      <hr style="margin-bottom:0pt;">
      <p style="margin:0pt;page-break-before:always;">&#160;
      </p>
      <div style="width:100%;">
        <a name="xx_f7d8855a-293d-4d8e-a067-19a772794dc6_32">
        </a>
        <div style="font-family:Arial;font-size:7pt;line-height:10pt;font-weight:Normal;text-transform:none;text-align:left;vertical-align:bottom;padding-bottom:10pt;">
          <a href="#JOB_Index_3271f810-de27-47d4-9b4d-756928a3a1d0_va-toc">
            Table of Contents
          </a>
        </div>
        <div type="Block" style="width:100%;">
          <div style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;margin-bottom:2pt;margin-top:2pt;text-align:left;text-decoration:none;text-transform:uppercase; "> Contract Maintenance Charge (Administrative Expenses) </div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;">Your annual contract maintenance charge is $50.
            This charge is for Contract administration and maintenance expenses. We waive this charge as follows:</div>
          <div style="text-align:left;">
            <table cellspacing="0" cellpadding="2" id="z862c90751407440e81f99c175391bc52" style="border-collapse:collapse;empty-cells:show;margin-top:2pt;width:100%;">

                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;">&#8226;
                  </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;">During the Accumulation Phase, if the total Contract Value for all Allianz Index Advantage<sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;">&#174;</sup> New York Contracts you own is at least $100,000 at the
                    end of the last Business Day before the Contract Anniversary, or if the Contract Value for this single Allianz Index Advantage<sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;">&#174;</sup> New York Contract is at least
                    $100,000 on the Contract Anniversary. We determine the total Contract Value for all individually owned Allianz Index Advantage<sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;">&#174;</sup> New York Contracts by using the
                    Owner&#8217;s social security number, and for non-individually owned Allianz Index Advantage<sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;">&#174;</sup> New York Contracts we use the Annuitant&#8217;s social security number.
                  </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;">&#8226;
                  </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;">During the Annuity Phase.
                  </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-bottom:0pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:2.83%;">&#8226;
                  </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-bottom:0pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;width:97.17%;">When paying death benefits.
                  </td>
                </tr>

            </table>
          </div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:9pt;text-align:left;text-decoration:none;text-transform:none;">We deduct the contract maintenance charge:</div>
          <div style="text-align:left;">
            <table cellspacing="0" cellpadding="2" id="z5a14b05593d142f4917b6de134750591" style="border-collapse:collapse;empty-cells:show;margin-top:2pt;width:100%;">

                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;">&#8226;
                  </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;">on a dollar for dollar basis from the Contract Value on the Contract Anniversary (or the next Business Day if the Contract Anniversary is a non-Business Day), and
                  </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-bottom:0pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:2.83%;">&#8226;
                  </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-bottom:0pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;width:97.17%;">we deduct it proportionately from each Allocation Option.
                  </td>
                </tr>

            </table>
          </div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-bottom:2pt;margin-top:2pt;text-align:left;text-decoration:none;text-transform:none;"> If you take a full
              withdrawal from your Contract (other than on a Contract Anniversary), we deduct the full contract maintenance charge. We do not treat the deduction of the contract maintenance charge as a withdrawal when computing your Guaranteed Death
              Benefit Value. </div>
          <div style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:uppercase;">Withdrawal Charge</div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-bottom:2pt;margin-top:2pt;text-align:left;text-decoration:none;text-transform:none;"> You can take withdrawals
              during the Accumulation Phase. A withdrawal charge applies if any part of a withdrawal comes from a Purchase Payment that is still within the withdrawal charge period. We assess the withdrawal charge against the Withdrawal Charge Basis, which
              is equal to total Purchase Payments, less any Purchase Payments withdrawn (including any Penalty-Free Withdrawals), and less any applicable withdrawal charge. We do not reduce the Withdrawal Charge Basis for any amounts we deduct to pay other
              Contract fees and expenses. </div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:bold;line-height:13pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;"> We do not assess a withdrawal charge on
              Penalty-Free Withdrawals or amounts we deduct to pay Contract expenses, other than the withdrawal charge. However, any amounts used to pay a withdrawal charge are subject to a withdrawal charge. <font style="font-weight:Normal;">
                Amounts withdrawn to pay financial adviser fees are subject to a withdrawal charge if they exceed the free withdrawal privilege, and will reduce the Contract Value and Guaranteed Death Benefit Value </font><font style="font-style:italic;"> (perhaps significantly) </font><font style="font-weight:Normal;"> . </font></div>
        </div>
        <div type="Block" style="margin-top:279pt;width:100%;">
          <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:0.5pt solid #000000;height:0.5pt;width:100%;">
          <div style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:13pt;margin-bottom:2pt;margin-top:2pt;text-align:center;text-decoration:none;text-transform:none;"> Allianz Index Advantage <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#174; </sup> New York Variable Annuity Prospectus &#8211; April 29, 2022 </div>
        </div>
        <div type="Block" style="margin-top:4pt;width:100%;">
          <div style="color:#000000;font-family:Arial;font-size:9pt;font-style:Normal;font-weight:bold;line-height:12pt;text-align:center;text-decoration:none;text-transform:none;">&#160;46&#160;</div>
        </div>
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      <div style="clear:both;font-size:12pt;height:0pt;">
      </div>
      <hr style="margin-bottom:0pt;">
      <p style="margin:0pt;page-break-before:always;">&#160;
      </p>
      <div style="width:100%;">
        <a name="xx_f7d8855a-293d-4d8e-a067-19a772794dc6_33">
        </a>
        <div style="font-family:Arial;font-size:7pt;line-height:10pt;font-weight:Normal;text-transform:none;text-align:left;vertical-align:bottom;padding-bottom:10pt;">
          <a href="#JOB_Index_3271f810-de27-47d4-9b4d-756928a3a1d0_va-toc">
            Table of Contents
          </a>
        </div>
        <div type="Block" style="width:100%;">
          <div style="text-align:center;">
            <table cellspacing="0" cellpadding="0" id="z5e450609276248c4ac827934823a7413" style="border-bottom:0.5pt solid #000000;border-collapse:collapse;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;margin-left:auto;margin-right:auto;margin-top:6pt;width:98.58%;">

                <tr style="page-break-inside:avoid;">
                  <td colspan="3" style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:9pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-bottom:2pt;padding-left:6pt;padding-right:6pt;padding-top:3pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:48.62%;"> Calculating a Withdrawal Charge
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-bottom:2pt;padding-right:6pt;padding-top:3pt;text-align:center;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:9pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-bottom:2pt;padding-left:6pt;padding-right:6pt;padding-top:3pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;white-space:nowrap;width:49.38%;"> Example
                    </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td colspan="3" style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:6pt;padding-right:6pt;padding-top:2pt;text-align:left; text-decoration:none;text-transform:none;vertical-align:top;width:48.62%;"> For purposes of calculating any withdrawal charge, we withdraw Purchase Payments on a &#8220;first-in-first-out&#8221; (FIFO) basis and we process withdrawal requests as
                      follows.
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-right:6pt;padding-top:2pt;text-align:left;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:6pt;padding-right:6pt;padding-top:2pt;text-align:left; text-decoration:none;text-transform:none;vertical-align:top;width:49.38%;"> You make an initial Purchase Payment of $30,000 and make another Purchase Payment in the first month of the second Contract Year of $70,000. In the third
                      month of the third Contract Year, your Contract Value is $110,000 and you request a $52,000 withdrawal. We withdraw money and compute the withdrawal charge as follows.
                    </td>
                </tr>
                <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                  <td colspan="3" style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:6pt;padding-right:6pt;padding-top:2pt;text-align:left; text-decoration:none;text-transform:none;vertical-align:top;width:48.62%;"> 1.&#8194; First we withdraw from Purchase Payments that we have had for six or more complete years, which is your Contract&#8217;s withdrawal charge period. This
                      withdrawal is not subject to a withdrawal charge and it reduces the Withdrawal Charge Basis dollar for dollar.
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-right:6pt;padding-top:2pt;text-align:left;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:6pt;padding-right:6pt;padding-top:2pt;text-align:left; text-decoration:none;text-transform:none;vertical-align:top;width:49.38%;"> 1 <font style="font-weight:bold;"> .&#8194; Purchase Payments beyond the withdrawal charge period. </font>
                      All payments are still within the withdrawal charge period, so this does not apply.
                    </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td colspan="3" style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:6pt;padding-right:6pt;padding-top:2pt;text-align:left; text-decoration:none;text-transform:none;vertical-align:top;width:48.62%;"> 2.&#8194; Amounts available as a Penalty-Free Withdrawal. This includes partial withdrawals you take during the Accumulation Phase under the free withdrawal
                      privilege or waiver of withdrawal charge benefit, and RMD payments you take under our minimum distribution program. Penalty-Free Withdrawals are not subject to a withdrawal charge, but they reduce the Withdrawal Charge Basis dollar
                      for dollar, and are withdrawn from Purchase Payments on a FIFO basis.
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-right:6pt;padding-top:2pt;text-align:left;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:6pt;padding-right:6pt;padding-top:2pt;text-align:left; text-decoration:none;text-transform:none;vertical-align:top;width:49.38%;"> 2 <font style="font-weight:bold;"> .&#8194; Amounts available as a Penalty-Free Withdrawal. </font> You did
                      not take any other withdrawals this year, so the entire free withdrawal privilege (10% of your total Purchase Payments, or $10,000) is available to you without incurring a withdrawal charge. We also deduct this $10,000 from the first
                      Purchase Payment.
                    </td>
                </tr>
                <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                  <td colspan="3" style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:6pt;padding-right:6pt;padding-top:2pt;text-align:left; text-decoration:none;text-transform:none;vertical-align:top;width:48.62%;"> 3.&#8194; Next, on a FIFO basis, we withdraw from Purchase Payments within your Contract&#8217;s withdrawal charge period and assess a withdrawal charge. Withdrawing
                      payments on a FIFO basis may help reduce the total withdrawal charge because the charge declines over time. We determine your total withdrawal charge by multiplying each payment by its applicable withdrawal charge percentage and then
                      totaling the charges. These withdrawals reduce the Withdrawal Charge Basis. <br>
                    The withdrawal charge as a percentage of each Purchase Payment withdrawn is as follows.
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-right:6pt;padding-top:2pt;text-align:left;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:6pt;padding-right:6pt;padding-top:2pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:49.38%;"> 3 <font style="font-weight:bold;"> .&#8194; Purchase Payments within the withdrawal charge period on a FIFO basis. </font> The
                      total amount we withdraw from the first Purchase Payment is $30,000, which is subject to a 6.5% withdrawal charge, and you receive $18,700. We determine this amount as follows: <br>
                    ( <font style="font-weight:bold;"> amount withdrawn) x (1 &#8211; withdrawal charge) = the amount you receive, or: <br>
                    </font> $20,000 x 0.935 = $18,700 <br>
                    Next we withdraw from the second Purchase Payment. <br>

                      So far, you received $28,700 ($10,000 under the free withdrawal privilege and $18,700 from the first Purchase Payment which is now reduced to zero), so we withdraw $23,300 from the second Purchase Payment to equal the $52,000 you
                      requested. The second Purchase Payment is subject to an 8% withdrawal charge. We calculate the total amount withdrawn and its withdrawal charge as follows: <br>
                    <font style="font-weight:bold;"> (the amount you receive) &#247; (1 &#8211; withdrawal charge) = amount withdrawn, or: <br>
                    </font> $23,300 &#247; 0.92 = $25,326.
                    </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;padding-bottom:2.5pt;padding-left:6pt;padding-right:6pt;padding-top:2pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:top;width:22.69%;"> Number of Complete <br>

                      Years Since <br>

                      Purchase Payment
                    </td>
                  <td style="line-height:0pt;padding-bottom:2.5pt;padding-right:6pt;padding-top:2pt;text-align:center;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;padding-bottom:2.5pt;padding-left:6pt; padding-right:6pt;padding-top:2pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;width:23.92%;"> Withdrawal Charge <br>

                      Amount
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-bottom:2.5pt;padding-right:6pt;padding-top:2pt;text-align:center;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td style="line-height:0pt;padding-bottom:2.5pt;padding-right:6pt;padding-top:2pt;text-align:center;vertical-align:top;width:49.38%;"> &#160;
                    </td>
                </tr>
                <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt Solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-bottom:4pt;padding-left:6pt;padding-right:6pt; padding-top:2.75pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;width:22.69%;"> 0 <br>

                      1 <br>

                      2 <br>

                      3 <br>

                      4 <br>

                      5 <br>

                      6 years or more
                    </td>
                  <td style="border-bottom:0.5pt Solid #000000;line-height:0pt;padding-bottom:4pt;padding-right:6pt;padding-top:2.75pt;text-align:center;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt Solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-bottom:4pt;padding-left:6pt; padding-right:6pt;padding-top:2.75pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;width:23.92%;"> 8.5% <br>

                      8% <br>

                      6.5% <br>

                      5% <br>

                      3% <br>

                      1% <br>

                      0%
                    </td>
                  <td style="border-bottom:0.5pt Solid #000000;line-height:0pt;padding-bottom:4pt;padding-right:6pt;padding-top:2.75pt;text-align:center;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt Solid #000000;line-height:0pt;padding-bottom:4pt;padding-right:6pt;padding-top:2.75pt;text-align:center;vertical-align:top;width:49.38%;"> &#160;
                    </td>
                </tr>

            </table>
          </div>
        </div>
        <div type="Block" style="margin-top:55pt;width:100%;">
          <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:0.5pt solid #000000;height:0.5pt;width:100%;">
          <div style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:13pt;margin-bottom:2pt;margin-top:2pt;text-align:center;text-decoration:none;text-transform:none;"> Allianz Index Advantage <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#174; </sup> New York Variable Annuity Prospectus &#8211; April 29, 2022 </div>
        </div>
        <div type="Block" style="margin-top:4pt;width:100%;">
          <div style="color:#000000;font-family:Arial;font-size:9pt;font-style:Normal;font-weight:bold;line-height:12pt;text-align:center;text-decoration:none;text-transform:none;">&#160;47&#160;</div>
        </div>
      </div>
      <div style="clear:both;font-size:12pt;height:0pt;">
      </div>
      <hr style="margin-bottom:0pt;">
      <p style="margin:0pt;page-break-before:always;">&#160;
      </p>
      <div style="width:100%;">
        <a name="xx_f7d8855a-293d-4d8e-a067-19a772794dc6_34">
        </a>
        <div style="font-family:Arial;font-size:7pt;line-height:10pt;font-weight:Normal;text-transform:none;text-align:left;vertical-align:bottom;padding-bottom:10pt;">
          <a href="#JOB_Index_3271f810-de27-47d4-9b4d-756928a3a1d0_va-toc">
            Table of Contents
          </a>
        </div>
        <div type="Block" style="width:100%;">
          <div style="text-align:center;">
            <table cellspacing="0" cellpadding="0" id="z1533569bf36047688009899b6b6d9e9c" style="border-bottom:0.5pt solid #000000;border-collapse:collapse;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;margin-left:auto;margin-right:auto;margin-top:0pt;width:98.58%;">

                <tr style="page-break-inside:avoid;">
                  <td colspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:9pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-bottom:2pt;padding-left:6pt; padding-right:6pt;padding-top:3pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:50.62%;"> Calculating a Withdrawal Charge
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:9pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-bottom:2pt;padding-left:6pt;padding-right:6pt;padding-top:3pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;white-space:nowrap;width:49.38%;"> Example
                    </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td colspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-bottom:4pt;padding-left:6pt; padding-right:6pt;padding-top:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:50.62%;"> 4.&#8194; Finally we withdraw any Contract earnings. This withdrawal is not subject to a withdrawal charge and it
                      does not reduce the Withdrawal Charge Basis.
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-bottom:4pt;padding-left:6pt;padding-right:6pt;padding-top:2pt; text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:49.38%;"> 4.&#8194; <font style="font-weight:bold;"> Contract earnings. </font> We already withdrew your requested amount, so this does not
                      apply. <br>
                    <font style="font-weight:bold;"> In total we withdrew $55,326 from your Contract, of which you received $52,000 and paid a withdrawal charge of $3,326. We also reduced the 1st Purchase Payment from $30,000 to $0, and your 2nd Purchase
                        Payment from $70,000 to $44,674 ($70,000 - $25,326). </font>
                  </td>
                </tr>

            </table>
          </div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-bottom:2pt;margin-top:2pt;text-align:left;text-decoration:none;text-transform:none;"> Upon a full withdrawal, we
              first deduct any final product fee and contract maintenance charge from your Contract Value before we calculate the withdrawal charge. We then deduct any applicable withdrawal charge from the total remaining Contract Value and send you the
              remaining amount. For a partial withdrawal we pay you the amount you requested and deduct this amount and any withdrawal charge from the total Contract Value. We deduct any partial withdrawal (including any withdrawal charge) proportionately
              from each Allocation Option unless you provide us with alternate instructions. If a partial withdrawal occurs on a day that we also deduct the product fee and/or contract maintenance charge, we deduct these fees and expenses before we
              calculate and deduct the partial withdrawal and any withdrawal charge from the Contract Value. </div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;">The withdrawal charge compensates us for expenses
            associated with selling the Contract.</div>
          <div style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;">Reduction or Elimination of the Withdrawal Charge</div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;">We may reduce or eliminate the withdrawal charge
            when the Contract is sold under circumstances that reduce its sales expenses. We will implement this withdrawal charge reduction or elimination in a nondiscriminatory manner. For example, if a large group of individuals purchases Contracts or
            if a prospective purchaser already has a relationship with us. We may choose not to deduct a withdrawal charge under a Contract issued to an officer, director, or employee of Allianz Life of New York or any of its affiliates. Also, we may
            reduce or eliminate the withdrawal charge when a Contract is sold by a Financial Professional appointed with Allianz Life of New York to any members of his or her immediate family and the Financial Professional waives their commission. We must
            pre-approve any withdrawal charge reduction or elimination.</div>
          <div style="text-align:center;">
            <table cellspacing="0" cellpadding="0" id="z4bd109f8e84e46b6b09712d2c8743c60" style="border-bottom:0.5pt solid #000000;border-collapse:collapse;border-top:0.5pt solid #000000;empty-cells:show;margin-left:auto;margin-right:auto;margin-top:6pt;width:99.60%;">

                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;color:#000000;font-family:Times New Roman;font-family:Times New Roman;font-size:10pt;font-size:10pt;font-style:Normal;font-style:Normal;font-weight:Normal;font-weight:Normal;line-height:12pt; line-height:12pt;padding-left:4pt;padding-right:4pt;padding-top:4pt;text-align:left;text-decoration:none;text-decoration:none;text-transform:none;text-transform:none;vertical-align:top;width:100%;"> &#8226;&#8194; Upon a full withdrawal the free
                      withdrawal privilege is not available to you, and we apply a withdrawal charge against Purchase Payments that are still within the withdrawal charge period, including amounts previously withdrawn under the free withdrawal privilege. <font style="font-weight:bold;"> On a full withdrawal your Withdrawal Charge Basis may be greater than your Contract Value because the following reduce your Contract Value, but do not reduce
                        your Withdrawal Charge Basis: </font>
                  </td>
                </tr>
                <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:18pt;padding-right:4pt;padding-top:1.25pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:100%;"> &#8211;&#8194; <font style="font-weight:bold;"> deductions we make for Contract fees and expenses other than the withdrawal charge, and/or </font>
                  </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:18pt;padding-right:4pt;padding-top:1.25pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:100%;"> &#8211;&#8194; <font style="font-weight:bold;"> poor performance. </font>
                  </td>
                </tr>
                <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;line-height:12pt;padding-left:32pt;padding-right:4pt;padding-top:1.25pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:100%;"> This also means that upon a full withdrawal you may not receive any money.
                    </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;color:#000000;font-family:Times New Roman;font-family:Times New Roman;font-size:10pt;font-size:10pt;font-style:Normal;font-style:Normal;font-weight:Normal;font-weight:Normal;line-height:12pt; line-height:12pt;padding-left:4pt;padding-right:4pt;padding-top:1.25pt;text-align:left;text-decoration:none;text-decoration:none;text-transform:none;text-transform:none;vertical-align:top;width:100%;"> &#8226;&#8194; Withdrawals (including any
                      financial adviser fees that you choose to have us pay from this Contract) <font style="font-weight:bold;"> </font> may also be subject to <font style="font-weight:bold;"> ordinary income taxes, and a 10% additional
                        federal tax if you are under age 59 <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#8202;1 </sup> &#8260; </font><font style="font-size:6pt;font-weight:bold;line-height:8pt;"> 2 </font><font style="font-weight:bold;"> , and the amount of Contract Value available for withdrawal may be affected by the Daily Adjustment </font> <font style="font-style:italic;font-weight:bold;"> (which can be negative). Please consult
                        with your Financial Professional before requesting us to pay financial adviser fees from this Contract compared to other assets you may have. </font>
                  </td>
                </tr>
                <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                  <td style="color:#000000;color:#000000;font-family:Times New Roman;font-family:Times New Roman;font-size:10pt;font-size:10pt;font-style:Normal;font-style:Normal;font-weight:Normal;font-weight:Normal;line-height:12pt; line-height:12pt;padding-bottom:4pt;padding-left:4pt;padding-right:4pt;padding-top:1.25pt;text-align:left;text-decoration:none;text-decoration:none;text-transform:none;text-transform:none;vertical-align:top;width:100%; "> &#8226;&#8194; For tax purposes in most instances, withdrawals from Non-Qualified Contracts are considered to come from earnings first, not Purchase Payments.
                    </td>
                </tr>

            </table>
          </div>
          <div style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;margin-top:12pt;text-align:left;text-decoration:none;text-transform:uppercase;">Transfer Fee</div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-bottom:2pt;margin-top:2pt;text-align:left;text-decoration:none;text-transform:none;"> The first twelve transfers
              between Variable Options every Contract Year are free. After that, we deduct a $25 transfer fee for each additional transfer. We count all transfers made in the same Business Day as one transfer. We do not count transfers between the Variable
              Options and Index Options or reallocation of Index Option Value among the Index Options against the free transfers we allow and these transfers are not subject to a transfer fee. The transfer fee continues to apply under death benefit payment
              Option B, and with optional payments under death benefit payment Option C as noted in section 10, Death Benefit. </div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;"> We deduct the transfer fee on a dollar for
              dollar basis from the amount of Variable Account Value being transferred before allocating the remaining Variable Account Value to your selected Variable Options. We do not treat the deduction of the transfer fee as a withdrawal when
              computing the Guaranteed Death Benefit Value under the Traditional Death Benefit. </div>
        </div>
        <div type="Block" style="margin-top:4pt;width:100%;">
          <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:0.5pt solid #000000;height:0.5pt;width:100%;">
          <div style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:13pt;margin-bottom:2pt;margin-top:2pt;text-align:center;text-decoration:none;text-transform:none;"> Allianz Index Advantage <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#174; </sup> New York Variable Annuity Prospectus &#8211; April 29, 2022 </div>
        </div>
        <div type="Block" style="margin-top:4pt;width:100%;">
          <div style="color:#000000;font-family:Arial;font-size:9pt;font-style:Normal;font-weight:bold;line-height:12pt;text-align:center;text-decoration:none;text-transform:none;">&#160;48&#160;</div>
        </div>
      </div>
      <div style="clear:both;font-size:12pt;height:0pt;">
      </div>
      <hr style="margin-bottom:0pt;">
      <p style="margin:0pt;page-break-before:always;">&#160;
      </p>
      <div style="width:100%;">
        <a name="xx_f7d8855a-293d-4d8e-a067-19a772794dc6_35">
        </a>
        <div style="font-family:Arial;font-size:7pt;line-height:10pt;font-weight:Normal;text-transform:none;text-align:left;vertical-align:bottom;padding-bottom:10pt;">
          <a href="#JOB_Index_3271f810-de27-47d4-9b4d-756928a3a1d0_va-toc">
            Table of Contents
          </a>
        </div>
        <div type="Block" style="width:100%;">
          <div style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;margin-bottom:2pt;margin-top:2pt;text-align:left;text-decoration:none;text-transform:uppercase;"> Daily Adjustment Maximum
              Potential Loss </div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;"> The Daily Adjustment is how we calculate Index
              Option Values on days other than the Index Effective Date or an Index Anniversary . The Daily Adjustment approximates the Index Option Value that will be available on the Index Anniversary. If before the Index Anniversary you take a full or
              partial withdrawal&#160;(including any financial adviser fees that you choose to have us pay from this Contract), execute a Performance Lock, annuitize the Contract, we pay a death benefit, or when we deduct Contract fees and expenses, we
              calculate the Index Option Value by applying the Daily Adjustment. The Daily Adjustment can be positive or negative. Following is the maximum potential loss associated with the Daily Adjustment. </div>
          <div style="text-align:center;">
            <table cellspacing="0" cellpadding="0" id="zd25313636acb449d9e2f0d01376eca73" style="border-collapse:collapse;empty-cells:show;margin-left:auto;margin-right:auto;margin-top:6pt;width:100%;">

                <tr style="page-break-inside:avoid;">
                  <td style="line-height:10pt;padding-bottom:2.5pt;padding-right:3pt;text-align:center;vertical-align:bottom;width:73.15%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;padding-bottom:2.5pt;padding-left:3pt;text-align:center; text-decoration:none;text-transform:none;vertical-align:bottom;width:28.07%;"> Index Protection NY Strategy and <br>

                      Index Performance Strategy
                    </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;padding-left:0pt;padding-right:3pt;padding-top:1.75pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:73.15%;"> Daily Adjustment Maximum Potential Loss <br>
                  </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:13pt;padding-top:1.75pt;text-align:center;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:28.07%;"> 99%
                    </td>
                </tr>
                <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-bottom:6pt;padding-left:18pt;padding-right:3pt;padding-top:1pt;text-align:left; text-decoration:none;text-indent:-8pt;text-transform:none;vertical-align:top;width:73.15%;"> (as a percentage of Index Option Value, applies for distributions from an Index Option before any Index Anniversary)
                    </td>
                  <td style="line-height:0pt;padding-bottom:6pt;padding-top:1pt;text-align:center;vertical-align:top;width:28.07%;"> &#160;
                    </td>
                </tr>

            </table>
          </div>
          <div style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:uppercase;">Premium Tax</div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;">Premium tax is based on your state of residence
            at the time you make each Purchase Payment. In states that assess a premium tax, we do not currently deduct it from the Contract, although we reserve the right to do so in the future. Premium tax normally ranges from 0% to 3.5% of the Purchase
            Payment, depending on the state or governmental entity. New York does not currently assess a premium tax.</div>
          <div style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:uppercase;">Income Tax</div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;">Currently, we do not deduct any Contract related
            income tax we incur, although we reserve the right to do so in the future.</div>
          <div style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:uppercase;">Variable Option Expenses</div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-bottom:2pt;margin-top:2pt;text-align:left;text-decoration:none;text-transform:none;"> Charges deducted from and
              expenses paid out of the assets of the Variable Options are described in the Variable Options' prospectuses. </div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;"> These expenses reduce the Variable Options'
              performance and, therefore, negatively affect your Contract Value and any payments based on Contract Value. </div>
          <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:2pt solid #000000;height:2pt;width:100%;">
          <div style="color:#000000;font-family:Arial;font-size:11pt;font-style:Normal;font-weight:Normal;line-height:13pt;margin-top:5pt;text-align:left;text-decoration:none;text-transform:lowercase;">7.<font style="text-transform:uppercase;">&#160;&#160;Access to
              Your Money</font></div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;">Your Contract Value is available under the
            following circumstances:</div>
          <div style="text-align:left;">
            <table cellspacing="0" cellpadding="0" id="zd94e79a8507c469ba539af93c3b4c4be" style="border-collapse:collapse;empty-cells:show;margin-top:2pt;width:100%;">

                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;"> &#8226;
                    </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;"> by taking a withdrawal (including financial adviser fees that you choose to have us pay from this Contract; withdrawals under the free withdrawal privilege, systematic withdrawal program, and waiver of withdrawal
                      charge benefit; and for Qualified Contracts only, RMD payments under our minimum distribution program);
                    </td>
                </tr>

            </table>
          </div>
          <div style="text-align:left;">
            <table cellspacing="0" cellpadding="2" id="z67f8d1bc6ecf40bba27edd816acf7e6c" style="border-collapse:collapse;empty-cells:show;margin-top:2pt;width:100%;">

                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;"> &#8226;
                    </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;"> by taking Annuity Payments; or
                    </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-bottom:0pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:2.83%;"> &#8226;
                    </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-bottom:0pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;width:97.17%;"> when we pay a death benefit.
                    </td>
                </tr>

            </table>
          </div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:9pt;text-align:left;text-decoration:none;text-transform:none;">You can take withdrawals during the Accumulation
            Phase. We process withdrawal requests based on values next determined after receipt of the request in Good Order at our Service Center. Values are normally determined at the end of each Business Day. We process any withdrawal request received
            at or after the end of the current Business Day using values determined on the next Business Day.</div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;">Any partial withdrawal must be for at least
            $100.* The Contract Value after a partial withdrawal must be at least $2,000.* <font style="font-weight:bold;">We reserve the right to treat a partial withdrawal that reduces the Contract Value below this minimum as a full withdrawal.</font></div>
          <div style="text-align:left;">
            <table cellspacing="0" cellpadding="0" id="z47e89450dd524b0ba6322823d8bb234d" style="border-collapse:collapse;empty-cells:show;margin-top:1pt;width:100%;">

                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:3.64%;"> *
                    </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:96.36%;"> Does not apply to RMD payments under our minimum distribution program.
                    </td>
                </tr>

            </table>
          </div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-bottom:2pt;margin-top:2pt;text-align:left;text-decoration:none;text-transform:none;"> We deduct any partial
              withdrawal (including any withdrawal charge) proportionately from each Allocation Option unless you provide us with alternate instructions. The Index Option Value from which a partial withdrawal is deducted during an Index Year will include
              any applicable Daily Adjustment. </div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;"> When you take a full withdrawal of the
              Contract Value we process your request on the Business Day we receive it in Good Order at our Service Center as follows: </div>
          <div style="text-align:left;">
            <table cellspacing="0" cellpadding="2" id="z99c0bebd36ba4deb8055049cfa145232" style="border-collapse:collapse;empty-cells:show;margin-top:2pt;width:100%;">

                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;"> &#8226;
                    </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;"> total Contract Value including any Daily Adjustment,
                    </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-bottom:0pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:2.83%;"> &#8226;
                    </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-bottom:0pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;width:97.17%;"> less any final product fee and contract maintenance charge, and
                    </td>
                </tr>

            </table>
          </div>
        </div>
        <div type="Block" style="margin-top:4pt;width:100%;">
          <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:0.5pt solid #000000;height:0.5pt;width:100%;">
          <div style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:13pt;margin-bottom:2pt;margin-top:2pt;text-align:center;text-decoration:none;text-transform:none;"> Allianz Index Advantage <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#174; </sup> New York Variable Annuity Prospectus &#8211; April 29, 2022 </div>
        </div>
        <div type="Block" style="margin-top:4pt;width:100%;">
          <div style="color:#000000;font-family:Arial;font-size:9pt;font-style:Normal;font-weight:bold;line-height:12pt;text-align:center;text-decoration:none;text-transform:none;">&#160;49&#160;</div>
        </div>
      </div>
      <div style="clear:both;font-size:12pt;height:0pt;">
      </div>
      <hr style="margin-bottom:0pt;">
      <p style="margin:0pt;page-break-before:always;">&#160;
      </p>
      <div style="width:100%;">
        <a name="xx_f7d8855a-293d-4d8e-a067-19a772794dc6_36">
        </a>
        <div style="font-family:Arial;font-size:7pt;line-height:10pt;font-weight:Normal;text-transform:none;text-align:left;vertical-align:bottom;padding-bottom:10pt;">
          <a href="#JOB_Index_3271f810-de27-47d4-9b4d-756928a3a1d0_va-toc">
            Table of Contents
          </a>
        </div>
        <div type="Block" style="width:100%;">
          <div style="text-align:left;">
            <table cellspacing="0" cellpadding="0" id="za32f1193226c4b62b08dad42926c2952" style="border-collapse:collapse;empty-cells:show;margin-top:2pt;width:100%;">

                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;">&#8226;
                  </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;">less any withdrawal charge.
                  </td>
                </tr>

            </table>
          </div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:9pt;text-align:left;text-decoration:none;text-transform:none;">See the Fee Tables and section 6, Expenses for a
            discussion of the Contract fees and expenses.</div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;">We pay withdrawals promptly, but in no event
            later than seven days after receipt of your request in Good Order at our Service Center, unless the suspension of payments or transfers provision is in effect (see the discussion later in this section).</div>
          <div style="text-align:center;">
            <table cellspacing="0" cellpadding="0" id="z32b3921bbd4e41ddb709fe2139c7bfed" style="border-bottom:0.5pt solid #000000;border-collapse:collapse;border-top:0.5pt solid #000000;empty-cells:show;margin-left:auto;margin-right:auto;margin-top:6pt;width:99.60%;">

                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;color:#000000;font-family:Times New Roman;font-family:Times New Roman;font-size:10pt;font-size:10pt;font-style:Normal;font-style:Normal;font-weight:Normal;font-weight:Normal;line-height:12pt; line-height:12pt;padding-left:4pt;padding-right:4pt;padding-top:4pt;text-align:left;text-decoration:none;text-decoration:none;text-transform:none;text-transform:none;vertical-align:top;width:100%;"> &#8226;&#8194; Withdrawals may be subject to a
                      withdrawal charge, state and federal taxation, and a 10% additional federal tax if you are under age 59 <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#8202;1 </sup> &#8260; <font style="font-size:6pt;line-height:8pt;"> 2 </font> , and the amount of Contract Value available for withdrawal may be affected by the Daily Adjustment <font style="font-style:italic;font-weight:bold;"> (which can be
                        negative) </font> . <font style="font-style:italic;font-weight:bold;"> Please consult with your Financial Professional before requesting us to pay financial adviser fees from this Contract compared to other assets you may
                        have. </font>
                  </td>
                </tr>
                <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                  <td style="color:#000000;color:#000000;font-family:Times New Roman;font-family:Times New Roman;font-size:10pt;font-size:10pt;font-style:Normal;font-style:Normal;font-weight:Normal;font-weight:Normal;line-height:12pt; line-height:12pt;padding-left:4pt;padding-right:4pt;padding-top:1.25pt;text-align:left;text-decoration:none;text-decoration:none;text-transform:none;text-transform:none;vertical-align:top;width:100%;"> &#8226;&#8194; <font style="font-weight:bold;"> Joint Owners: </font> We send one check payable to both Joint Owners. For Contracts issued before August 24, 2015, or&#160;if the&#160;Contract&#160;has a&#160;number starting with GAZ, we tax report both Joint Owner's
                      based on the age of the older Joint Owner.&#160;For Contracts issued&#160;on or after August&#160;24, 2015 that have a number starting with AV, we&#160;tax report each Joint Owner individually. <font style="font-style:italic;font-weight:bold;"> Tax
                        reporting each Joint Owner individually can create a discrepancy in taxation if only one Joint Owner is under age 59 <sup style="font-style: italic; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#8202;1 </sup> &#8260; </font><font style="font-size:6pt;font-style:italic;font-weight:bold;line-height:8pt;"> 2 </font><font style="font-style:italic;font-weight:bold;"> because that Joint Owner will be subject to the 10% additional federal tax. </font>
                  </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;color:#000000;font-family:Times New Roman;font-family:Times New Roman;font-size:10pt;font-size:10pt;font-style:Normal;font-style:Normal;font-weight:Normal;font-weight:Normal;line-height:12pt; line-height:12pt;padding-bottom:4pt;padding-left:4pt;padding-right:4pt;padding-top:1.25pt;text-align:left;text-decoration:none;text-decoration:none;text-transform:none;text-transform:none;vertical-align:top;width:100%; "> &#8226;&#8194; We may be required to provide information about you or your Contract to government regulators. We may also be required to stop Contract disbursements and thereby refuse any transfer requests, and refuse to pay any withdrawals
                      (including a full withdrawal), or death benefits until we receive instructions from the appropriate regulator. If, pursuant to SEC rules, the AZL Government Money Market Fund suspends payment of redemption proceeds in connection with
                      a fund liquidation, we will delay payment of any transfer, full or partial withdrawal, or death benefit from the AZL Government Money Market Fund subaccount until the fund is liquidated.
                    </td>
                </tr>

            </table>
          </div>
          <div style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;margin-top:12pt;text-align:left;text-decoration:none;text-transform:uppercase;">Free Withdrawal Privilege</div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-bottom:2pt;margin-top:2pt;text-align:left;text-decoration:none;text-transform:none;"> Each Contract Year during
              the Accumulation Phase, you can withdraw up to 10% of your total Purchase Payments without incurring a withdrawal charge (the free withdrawal privilege). Any unused free withdrawal privilege in one Contract Year is not added to the amount
              available to you in the next Contract Year. Withdrawals from Purchase Payments that are outside the six year withdrawal charge period are not subject to a withdrawal charge and do not reduce your free withdrawal privilege. RMD payments you
              take under our minimum distribution program and withdrawals under the waiver of withdrawal charge benefit are not subject to a withdrawal charge, but do reduce your free withdrawal privilege. Amounts we deduct for any financial adviser fees
              that you choose to have us pay from this Contract also reduce your free withdrawal privilege. </div>
          <div style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;"><font style="text-decoration:underline;"> Example </font></div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;"> Assume your initial Purchase Payment 10 years
              ago was $90,000, and you made a second $100,000 Purchase Payment 3 years ago. You take a RMD payment of $1,500 and withdraw $150,000 when the Contract Value is $275,000. The RMD payment is not subject to a withdrawal charge, but reduces the
              amount available under the free withdrawal privilege to $17,500 (10% x $190,000 total Purchase Payments = $19,000 - $1,500 RMD payment). After the RMD payment, $107,500 is available to you without a withdrawal charge: the initial $90,000
              Purchase Payment that is beyond the 6-year withdrawal charge period, and $17,500 remaining free withdrawal privilege. The remaining $42,500 of your requested withdrawal would be subject to a 6.5% withdrawal charge. </div>
          <div style="text-align:center;">
            <table cellspacing="0" cellpadding="0" id="z3f7e9d9bcbfa46b8bcb8eae948c6debe" style="border-bottom:0.5pt solid #000000;border-collapse:collapse;border-top:0.5pt solid #000000;empty-cells:show;margin-left:auto;margin-right:auto;margin-top:6pt;width:99.60%;">

                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;padding-bottom:4pt;padding-left:4pt;padding-right:4pt;padding-top:4pt;text-align:left; text-decoration:none;text-transform:none;vertical-align:top;width:100%;">The free withdrawal privilege is not available upon a full withdrawal.
                  </td>
                </tr>

            </table>
          </div>
          <div style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;margin-top:12pt;text-align:left;text-decoration:none;text-transform:uppercase;">Systematic Withdrawal Program</div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-bottom:2pt;margin-top:2pt;text-align:left;text-decoration:none;text-transform:none;"> The systematic withdrawal
              program can provide automatic withdrawal payments to you during the Accumulation Phase. You can request to receive these withdrawal payments monthly, quarterly, semi-annually or annually. However, if your Contract Value is less than $25,000,
              we only make annual payments. The minimum amount you can withdraw under this program is $100 and there is no maximum. During the withdrawal charge period (if applicable), systematic withdrawals in excess of the free withdrawal privilege are
              subject to a withdrawal charge. We make systematic withdrawals on the ninth of the month, or the next Business Day if the ninth is a non-Business Day. We must receive your systematic withdrawal program form instructions in Good Order at our
              Service Center before the end of the Business Day before we process these withdrawals, or your program does not begin until the next month. This program ends at the earlier of your request, or </div>
        </div>
        <div type="Block" style="margin-top:16pt;width:100%;">
          <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:0.5pt solid #000000;height:0.5pt;width:100%;">
          <div style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:13pt;margin-bottom:2pt;margin-top:2pt;text-align:center;text-decoration:none;text-transform:none;"> Allianz Index Advantage <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#174; </sup> New York Variable Annuity Prospectus &#8211; April 29, 2022 </div>
        </div>
        <div type="Block" style="margin-top:4pt;width:100%;">
          <div style="color:#000000;font-family:Arial;font-size:9pt;font-style:Normal;font-weight:bold;line-height:12pt;text-align:center;text-decoration:none;text-transform:none;">&#160;50&#160;</div>
        </div>
      </div>
      <div style="clear:both;font-size:12pt;height:0pt;">
      </div>
      <hr style="margin-bottom:0pt;">
      <p style="margin:0pt;page-break-before:always;">&#160;
      </p>
      <div style="width:100%;">
        <a name="xx_f7d8855a-293d-4d8e-a067-19a772794dc6_37">
        </a>
        <div style="font-family:Arial;font-size:7pt;line-height:10pt;font-weight:Normal;text-transform:none;text-align:left;vertical-align:bottom;padding-bottom:10pt;">
          <a href="#JOB_Index_3271f810-de27-47d4-9b4d-756928a3a1d0_va-toc">
            Table of Contents
          </a>
        </div>
        <div type="Block" style="width:100%;">
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;text-align:left;text-decoration:none;text-transform:none;">when you withdraw your total Contract Value. However, we reserve
            the right to discontinue or modify the systematic withdrawal program at any time and for any reason.</div>
          <div style="text-align:center;">
            <table cellspacing="0" cellpadding="0" id="zc31d0429862d4eb38f0af0ddb360af98" style="border-bottom:0.5pt solid #000000;border-collapse:collapse;border-top:0.5pt solid #000000;empty-cells:show;margin-left:auto;margin-right:auto;margin-top:6pt;width:99.60%;">

                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;color:#000000;font-family:Times New Roman;font-family:Times New Roman;font-size:10pt;font-size:10pt;font-style:Normal;font-style:Normal;font-weight:Normal;font-weight:Normal;line-height:12pt; line-height:12pt;padding-left:4pt;padding-right:4pt;padding-top:4pt;text-align:left;text-decoration:none;text-decoration:none;text-transform:none;text-transform:none;vertical-align:top;width:100%;"> &#8226;&#8194; <font style="font-weight:bold;"> Ordinary income taxes and tax penalties may apply to systematic withdrawals. </font>
                  </td>
                </tr>
                <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                  <td style="color:#000000;color:#000000;font-family:Times New Roman;font-family:Times New Roman;font-size:10pt;font-size:10pt;font-style:Normal;font-style:Normal;font-weight:Normal;font-weight:Normal;line-height:12pt; line-height:12pt;padding-bottom:4pt;padding-left:4pt;padding-right:4pt;padding-top:1.25pt;text-align:left;text-decoration:none;text-decoration:none;text-transform:none;text-transform:none;vertical-align:top;width:100%; "> &#8226;&#8194; <font style="font-weight:bold;"> The systematic withdrawal program is not available while you are receiving RMD payments. </font>
                  </td>
                </tr>

            </table>
          </div>
          <div style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;margin-top:12pt;text-align:left;text-decoration:none;text-transform:uppercase;">Minimum Distribution Program and Required
            Minimum Distribution (RMD) Payments</div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-bottom:2pt;margin-top:2pt;text-align:left;text-decoration:none;text-transform:none;"> If you own an IRA or SEP IRA
              Contract, you can participate in the minimum distribution program during the Accumulation Phase. If you have an Inherited IRA Contract or Inherited IRA Roth Contract we generally require you to participate in the minimum distribution program
              when you purchase this Contract. Under this program, we make payments to you designed to meet the applicable minimum distribution requirements imposed by the Code for this Qualified Contract. RMD payments are not subject to a withdrawal
              charge, but they reduce the free withdrawal privilege amount during the Contract Year. We do not consider deductions we make for financial adviser fees that you choose to have us pay from this Contract to be RMD payments. However, Contract
              Value is one of the components we use to calculate RMD payments, so these deductions may reduce your RMD payments. We apply the Daily Adjustment if RMD payments are deducted from the Index Options on days other than an Index Anniversary. We
              can make payments to you on a monthly, quarterly, semi-annually or annually. However, if your Contract Value is less than $25,000, we only make annual payments. You cannot aggregate RMD payments between this Contract and other qualified
              contracts that you own. We make RMD payments on the ninth of the month, or the next Business Day if the ninth is a non-Business Day. We must receive your program form instructions in Good Order at our Service Center before the end of the
              Business Day before we process these payments, or your program does not begin until the next month. </div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;"> We reserve the right to discontinue or modify
              the minimum distribution program subject to the requirements of law. </div>
          <div style="text-align:center;">
            <table cellspacing="0" cellpadding="0" id="z9b6a9c731908481097287349e1175f2c" style="border-bottom:0.5pt solid #000000;border-collapse:collapse;border-top:0.5pt solid #000000;empty-cells:show;margin-left:auto;margin-right:auto;margin-top:6pt;width:99.60%;">

                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;color:#000000;font-family:Times New Roman;font-family:Times New Roman;font-size:10pt;font-size:10pt;font-style:Normal;font-style:Normal;font-weight:Normal;font-weight:Normal;line-height:12pt; line-height:12pt;padding-left:4pt;padding-right:4pt;padding-top:4pt;text-align:left;text-decoration:none;text-decoration:none;text-transform:none;text-transform:none;vertical-align:top;width:100%;">&#8226;&#8194; <font style="font-weight:bold;">You
                      should consult a tax adviser before purchasing a Qualified Contract that is subject to RMD payments.</font>
                  </td>
                </tr>
                <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                  <td style="color:#000000;color:#000000;font-family:Times New Roman;font-family:Times New Roman;font-size:10pt;font-size:10pt;font-style:Normal;font-style:Normal;font-weight:Normal;font-weight:Normal;line-height:12pt; line-height:12pt;padding-bottom:4pt;padding-left:4pt;padding-right:4pt;padding-top:1.25pt;text-align:left;text-decoration:none;text-decoration:none;text-transform:none;text-transform:none;vertical-align:top;width:100%; ">&#8226;&#8194; <font style="font-weight:bold;">The minimum distribution program is not available while you are receiving systematic withdrawals.</font>
                  </td>
                </tr>

            </table>
          </div>
          <div style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;margin-top:12pt;text-align:left;text-decoration:none;text-transform:uppercase;">Waiver of Withdrawal Charge Benefit</div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-bottom:2pt;margin-top:2pt;text-align:left;text-decoration:none;text-transform:none;"> After the first Contract
              Year, if any Owner becomes confined to a nursing home for a period of at least 90 consecutive days and a physician certifies that continued confinement is necessary, you can take withdrawals and we waive the withdrawal charge. We apply the
              Daily Adjustment if withdrawals are deducted from the Index Options on days other than an Index Anniversary. This waiver is not available if any Owner was confined to a nursing home on the Issue Date. We base this benefit on the Annuitant for
              non-individually owned Contracts. We must receive proof of confinement in Good Order for each withdrawal before we waive the withdrawal charge. Withdrawals under this benefit reduce the free withdrawal privilege amount during the Contract
              Year. </div>
          <div style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:uppercase;">Suspension of Payments or Transfers</div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;">We may be required to suspend or postpone
            transfers or payments for withdrawals for more than seven days after receipt of your request in Good Order at our Service Center, for any period when:</div>
          <div style="text-align:left;">
            <table cellspacing="0" cellpadding="2" id="za8caadfa0c3a429690b8ef65c6e44684" style="border-collapse:collapse;empty-cells:show;margin-top:3pt;width:100%;">

                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;">&#8226;
                  </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;">the New York Stock Exchange is closed (other than customary weekend and holiday closings);
                  </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;">&#8226;
                  </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;">trading on the New York Stock Exchange is restricted;
                  </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;">&#8226;
                  </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;">an emergency (as determined by the SEC) exists as a result of which disposal of the Variable Option shares is not reasonably practicable or we cannot reasonably value the Variable Option shares; or
                  </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-bottom:0pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:2.83%;">&#8226;
                  </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:0pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;width:97.17%;">during any other period when the SEC, by order, so permits for the protection of Owners.
                  </td>
                </tr>

            </table>
          </div>
          <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:2pt solid #000000;height:2pt;width:100%;">
          <div style="color:#000000;font-family:Arial;font-size:11pt;font-style:Normal;font-weight:Normal;line-height:13pt;margin-top:5pt;text-align:left;text-decoration:none;text-transform:lowercase;">8.<font style="text-transform:uppercase;">&#160;&#160;The
              Annuity Phase</font></div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-bottom:2pt;margin-top:2pt;text-align:left;text-decoration:none;text-transform:none;"> Prior to annuitization, you
              can take a full withdrawal and receive your total Contract Value (less the withdrawal charge, and final product fee and contract maintenance charge). If you take a full withdrawal on any day other than an Index Anniversary and you have
              Contract Value in the Index Options, we apply the Daily Adjustment to these Index Option Values before we deduct the final Contract fees and expenses. </div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;">Annuity Payments offer a guaranteed lifetime
            income stream with certain tax advantages and are designed for Owners who no longer need immediate access to Contract Value to meet their short-term income needs.</div>
        </div>
        <div type="Block" style="margin-top:4pt;width:100%;">
          <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:0.5pt solid #000000;height:0.5pt;width:100%;">
          <div style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:13pt;margin-bottom:2pt;margin-top:2pt;text-align:center;text-decoration:none;text-transform:none;"> Allianz Index Advantage <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#174; </sup> New York Variable Annuity Prospectus &#8211; April 29, 2022 </div>
        </div>
        <div type="Block" style="margin-top:4pt;width:100%;">
          <div style="color:#000000;font-family:Arial;font-size:9pt;font-style:Normal;font-weight:bold;line-height:12pt;text-align:center;text-decoration:none;text-transform:none;">&#160;51&#160;</div>
        </div>
      </div>
      <div style="clear:both;font-size:12pt;height:0pt;">
      </div>
      <hr style="margin-bottom:0pt;">
      <p style="margin:0pt;page-break-before:always;">&#160;
      </p>
      <div style="width:100%;">
        <a name="xx_f7d8855a-293d-4d8e-a067-19a772794dc6_38">
        </a>
        <div style="font-family:Arial;font-size:7pt;line-height:10pt;font-weight:Normal;text-transform:none;text-align:left;vertical-align:bottom;padding-bottom:10pt;">
          <a href="#JOB_Index_3271f810-de27-47d4-9b4d-756928a3a1d0_va-toc">
            Table of Contents
          </a>
        </div>
        <div type="Block" style="width:100%;">
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;">You can apply your Contract Value to regular
            periodic fixed Annuity Payments. The Payee receives the Annuity Payments. You receive tax reporting on the payments, whether or not you are the Payee. We may require proof of the Annuitant(s)&#8217; age before we make any life contingent Annuity
            Payment. If you misstate the Annuitant(s)&#8217; age or gender, we recalculate the Annuity Payments based on the correct age or gender.</div>
          <div style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:uppercase;">Calculating Your Annuity Payments</div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;">We base Annuity Payments upon the following:</div>
          <div style="text-align:left;">
            <table cellspacing="0" cellpadding="2" id="zb614c6fb8c2a4834963dfd052527ec16" style="border-collapse:collapse;empty-cells:show;margin-top:2pt;width:100%;">

                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;">&#8226;
                  </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;">The Contract Value less the final product fee on the Annuity Date.
                  </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;">&#8226;
                  </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;">The age of the Annuitant and any joint Annuitant on the Annuity Date.
                  </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;">&#8226;
                  </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;">The gender of the Annuitant and any joint Annuitant where permitted.
                  </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;">&#8226;
                  </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;">The Annuity Option you select.
                  </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-bottom:0pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:2.83%;">&#8226;
                  </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-bottom:0pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;width:97.17%;">Your Contract&#8217;s interest rate (or current rates, if higher) and mortality table.
                  </td>
                </tr>

            </table>
          </div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-bottom:2pt;margin-top:2pt;text-align:left;text-decoration:none;text-transform:none;"> If the Annuity Date is not
              an Index Anniversary, Contract Value reflects&#160;the Daily Adjustment if&#160;you selected an Index Option. We guarantee the dollar amount of Annuity Payments and this amount remains fixed and does not change during the entire annuity payment option
              period that you selected, except as provided under Annuity Option 3. </div>
          <div style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:uppercase;">Annuity Payment Options</div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-bottom:2pt;margin-top:2pt;text-align:left;text-decoration:none;text-transform:none;"> You can choose one of the
              Annuity Options described below&#160;or any other payment option to which we agree. After Annuity Payments begin, you cannot change the Annuity Option, or transfer or withdraw Contract Value. </div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;">Option 1. Life Annuity.<font style="font-weight:Normal;"> We make Annuity Payments during the life of the Annuitant, and the last payment is the one that is due before the Annuitant&#8217;s death. If the Annuitant dies shortly after the Annuity Date, the Payee may receive less
              than your investment in the Contract.</font></div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;">Option 2. Life Annuity with Payments Over 5, 10, 15
            or 20 Years Guaranteed.<font style="font-weight:Normal;"> We make Annuity Payments during the life of the Annuitant, with payments for a minimum guaranteed period that you select.</font></div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;">Option 3. Joint and Last Survivor Annuity.<font style="font-weight:Normal;"> We make Annuity Payments during the lifetimes of the Annuitant and the joint Annuitant. Upon the death of one Annuitant, Annuity Payments to the Payee continue during the lifetime of the surviving joint Annuitant,
              at a level of 100%, 75% or 50% selected by the Owner when he or she chose this Annuity Payment option. If both Annuitants die shortly after the Annuity Date, the Payee may receive less than your investment in the Contract.</font></div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;">Option 4. Joint and Last Survivor Annuity with
            Payments Over 5, 10, 15 or 20 Years Guaranteed. <font style="font-weight:Normal;">We make Annuity Payments during the lifetimes of the Annuitant and the joint Annuitant, with payments for a minimum guaranteed period that you select.</font></div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;">Option 5. Refund Life Annuity. <font style="font-weight:Normal;">We make Annuity Payments during the lifetime of the Annuitant, and the last payment is the one that is due before the Annuitant&#8217;s death. After the Annuitant&#8217;s death, the Payee may receive a lump sum refund. The
              amount of the refund equals the amount applied to this Annuity Option minus the total paid under this option.</font></div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;">Under Annuity Options 1, 3 and 5, if all
            Annuitants die on or after the Annuity Date and before we send the first Annuity Payment, we will cancel Annuity Payments and upon receipt of a Valid Claim we will pay the Contract Value determined on the Annuity Date to surviving individual
            Owner, or the Beneficiary(s) if there is no surviving Owner. If the Owner is a non-individual, we pay the Owner.</div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;">After the Annuitant&#8217;s death under Annuity Option
            2, or the last surviving joint Annuitant's death under Annuity Option 4, we make Annuity Payments during the remaining guaranteed period in the following order based on who is still alive: the Payee, any surviving original Owner, the last
            surviving Owner&#8217;s Beneficiaries, or to the last surviving Owner&#8217;s estate if there are no remaining or named Beneficiaries.</div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;">Annuity Payments are usually lower if you select
            an Annuity Option that requires us to make more frequent Annuity Payments or to make payments over a longer period of time. If you choose life contingent Annuity Payments, payout rates for a younger Annuitant are lower than the payout rates for
            an older Annuitant and payout rates for life with a guaranteed period are typically lower than life only payments. Monthly payout rates are lower than annual payout rates, payout rates for a 20-year guaranteed period are less than payout rates
            for a 10-year guaranteed period, and payout rates for a 50-year-old Annuitant are less than payout rates for a 70-year-old Annuitant.</div>
        </div>
        <div type="Block" style="margin-top:13pt;width:100%;">
          <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:0.5pt solid #000000;height:0.5pt;width:100%;">
          <div style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:13pt;margin-bottom:2pt;margin-top:2pt;text-align:center;text-decoration:none;text-transform:none;"> Allianz Index Advantage <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#174; </sup> New York Variable Annuity Prospectus &#8211; April 29, 2022 </div>
        </div>
        <div type="Block" style="margin-top:4pt;width:100%;">
          <div style="color:#000000;font-family:Arial;font-size:9pt;font-style:Normal;font-weight:bold;line-height:12pt;text-align:center;text-decoration:none;text-transform:none;">&#160;52&#160;</div>
        </div>
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      </div>
      <hr style="margin-bottom:0pt;">
      <p style="margin:0pt;page-break-before:always;">&#160;
      </p>
      <div style="width:100%;">
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        </a>
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          <a href="#JOB_Index_3271f810-de27-47d4-9b4d-756928a3a1d0_va-toc">
            Table of Contents
          </a>
        </div>
        <div type="Block" style="width:100%;">
          <div style="text-align:center;">
            <table cellspacing="0" cellpadding="0" id="z9cb849300b494ee595acfbe576db8596" style="border-bottom:0.5pt solid #000000;border-collapse:collapse;border-top:0.5pt solid #000000;empty-cells:show;margin-left:auto;margin-right:auto;margin-top:6pt;width:99.60%;">

                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;padding-bottom:4pt;padding-left:4pt;padding-right:4pt;padding-top:4pt;text-align:left; text-decoration:none;text-transform:none;vertical-align:top;width:100%;">If you do not choose an Annuity Option before the Annuity Date, we make Annuity Payments to the Payee under Annuity Option 2 with ten years of guaranteed monthly
                    payments.
                  </td>
                </tr>

            </table>
          </div>
          <div style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;margin-top:12pt;text-align:left;text-decoration:none;text-transform:uppercase;">When Annuity Payments Begin</div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-bottom:2pt;margin-top:2pt;text-align:left;text-decoration:none;text-transform:none;"> Annuity Payments begin on
              the Annuity Date. Your scheduled Annuity Date is the first day of the calendar month following the Annuitant&#8217;s 90th birthday and is stated in your Contract. An earlier Annuity Date or a withdrawal may be required to satisfy minimum required
              distribution rules under certain Qualified Contracts. <font style="font-style:italic;font-weight:bold;"> You can make an authorized request for a different, earlier or later Annuity Date after the Issue Date, but any such request is
                subject to applicable law and our approval. </font> An earlier or later Annuity Date may not be available to you depending on the Financial Professional you purchase your Contract through and your state of residence. The earliest
              available Annuity Date is 13 months after the Issue Date. </div>
          <div style="text-align:center;">
            <table cellspacing="0" cellpadding="0" id="z1f7484f10a0747c38cf457e49c2ba180" style="border-bottom:0.5pt solid #000000;border-collapse:collapse;border-top:0.5pt solid #000000;empty-cells:show;margin-left:auto;margin-right:auto;margin-top:6pt;width:99.60%;">

                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;padding-bottom:4pt;padding-left:4pt;padding-right:4pt;padding-top:4pt;text-align:left; text-decoration:none;text-transform:none;vertical-align:top;width:100%;"> If on the Annuity Date (which may occur as early as 13 months after the Issue Date, <font style="font-weight:Normal;"> or as late as age 100) your
                        Contract Value is greater than zero, you must annuitize the Contract. We notify you of your available options in writing 60 days in advance, including the option to extend your Annuity Date if available. </font><font style="font-style:italic;"> If on your Annuity Date you have not selected an Annuity Option, we make payments under Annuity Option 2 with ten years of guaranteed monthly payments. </font><font style="font-weight:Normal;"> Upon
                        annuitization you no longer have Contract Value or a death benefit, and you cannot receive any other periodic withdrawals or payments other than Annuity Payments. </font>
                  </td>
                </tr>

            </table>
          </div>
        </div>
        <div type="Block" style="margin-top:443pt;width:100%;">
          <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:0.5pt solid #000000;height:0.5pt;width:100%;">
          <div style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:13pt;margin-bottom:2pt;margin-top:2pt;text-align:center;text-decoration:none;text-transform:none;"> Allianz Index Advantage <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#174; </sup> New York Variable Annuity Prospectus &#8211; April 29, 2022 </div>
        </div>
        <div type="Block" style="margin-top:4pt;width:100%;">
          <div style="color:#000000;font-family:Arial;font-size:9pt;font-style:Normal;font-weight:bold;line-height:12pt;text-align:center;text-decoration:none;text-transform:none;">&#160;53&#160;</div>
        </div>
      </div>
      <div style="clear:both;font-size:12pt;height:0pt;">
      </div>
      <hr style="margin-bottom:0pt;">
      <p style="margin:0pt;page-break-before:always;">&#160;
      </p>
      <div style="width:100%;">
        <a name="xx_d0900dac-c33c-42ef-bf73-3b3047122839_1">
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          <a href="#JOB_Index_3271f810-de27-47d4-9b4d-756928a3a1d0_va-toc">
            Table of Contents
          </a>
        </div>
        <div type="Block" style="width:100%;">
          <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:2pt solid #000000;height:2pt;width:100%;">
          <div style="color:#000000;font-family:Arial;font-size:11pt;font-style:Normal;font-weight:Normal;line-height:13pt;margin-top:5pt;text-align:left;text-decoration:none;text-transform:lowercase;"> 9. <font style="text-transform:uppercase;"> &#160;&#160;Benefits
                Available Under the Contract </font></div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;"> The following tables summarize information
              about the benefits available under the Contract. </div>
          <div style="text-align:center;">
            <table cellspacing="0" cellpadding="0" id="zd556eb7036ce41df9bfa3b95d24598ec" style="border-bottom:0.5pt solid #000000;border-collapse:collapse;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;margin-left:auto;margin-right:auto;margin-top:6pt;width:98.79%;">

                <tr style="page-break-inside:avoid;">
                  <td colspan="3" style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-bottom:2.5pt;padding-left:5pt;padding-right:5pt;padding-top:5pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:100%;"> Standard Benefits (No Additional Charge)
                    </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-bottom:2.5pt;padding-left:5pt; padding-right:5pt;padding-top:2.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:16.80%;"> Name of Benefit
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-bottom:2.5pt;padding-left:5pt; padding-right:5pt;padding-top:2.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;white-space:nowrap;width:41.60%;"> Purpose
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-bottom:2.5pt;padding-left:5pt;padding-right:5pt; padding-top:2.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:41.60%;"> Brief Description of Restrictions/Limitations
                    </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-left:5pt;padding-right:5pt; padding-top:2.5pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:16.80%;"> Free Withdrawal Privilege
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:5pt;padding-right:5pt; padding-top:2.5pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:41.60%;"> Allows you to withdraw up to 10% of your total Purchase Payments each Contract Year without incurring a withdrawal charge.
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:5pt;padding-right:5pt;padding-top:2.5pt;text-align:left; text-decoration:none;text-transform:none;vertical-align:top;width:41.60%;"> &#8226;&#8194;Only available during the Accumulation Phase. <br>

                      &#8226;&#8194;Not available upon a full withdrawal. <br>

                      &#8226;&#8194;Unused free withdrawal amounts not available in future years. <br>

                      &#8226;&#8194;Program withdrawals may be subject to negative Daily Adjustments. <br>

                      &#8226;&#8194;Program withdrawals may be subject to income taxes, including a 10% additional federal tax if taken before age 59&#8202; <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#8202;1 </sup> &#8260; <font style="font-size:6pt;line-height:7pt;"> 2 </font> .
                    </td>
                </tr>
                <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-left:5pt;padding-right:5pt; padding-top:2.5pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:16.80%;"> Automatic Investment Plan (AIP)
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:5pt;padding-right:5pt; padding-top:2.5pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:41.60%;"> Allows you to make automatic Purchase Payments by electronic money transfer from your savings, checking, or brokerage
                      account.
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:5pt;padding-right:5pt;padding-top:2.5pt;text-align:left; text-decoration:none;text-transform:none;vertical-align:top;width:41.60%;"> &#8226;&#8194;Only available during the Accumulation Phase. <br>

                      &#8226;&#8194;Not available to certain Qualified Contracts. <br>

                      &#8226;&#8194;Payments must be on a monthly or quarterly basis. <br>

                      &#8226;&#8194;Subject to applicable Purchase Payment restrictions. <br>

                      &#8226;&#8194;We reserve the right to discontinue or modify the program.
                    </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-left:5pt;padding-right:5pt; padding-top:2.5pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:16.80%;"> Optional Reallocation Program
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:5pt;padding-right:5pt; padding-top:2.5pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:41.60%;"> Provides for automatic transfers among the Index Options to help you maintain your selected allocation percentages among
                      these Index Options.
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:5pt;padding-right:5pt;padding-top:2.5pt;text-align:left; text-decoration:none;text-transform:none;vertical-align:top;width:41.60%;"> &#8226;&#8194;Only available during the Accumulation Phase. <br>

                      &#8226;&#8194;We reserve the right to discontinue or modify the program.
                    </td>
                </tr>
                <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-left:5pt;padding-right:5pt; padding-top:2.5pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:16.80%;"> Systematic Withdrawal Program
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:5pt;padding-right:5pt; padding-top:2.5pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:41.60%;"> Allows you to take automatic withdrawals from your Contract.
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:5pt;padding-right:5pt;padding-top:2.5pt;text-align:left; text-decoration:none;text-transform:none;vertical-align:top;width:41.60%;"> &#8226;&#8194;Only available during the Accumulation Phase. <br>

                      &#8226;&#8194;Not available while you are participating in minimum distribution program. <br>

                      &#8226;&#8194;Program withdrawals may be monthly, quarterly, semi-annual or annual, unless you have less than $25,000 in Contract Value, in which case only annual withdrawals are available. <br>

                      &#8226;&#8194;Program withdrawals count against free withdrawal privilege. <br>

                      &#8226;&#8194;Program withdrawals may be subject to negative Daily Adjustments. <br>

                      &#8226;&#8194;Program withdrawals may be subject to withdrawal charges and income taxes, including a 10% additional federal tax if taken before age 59 <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#8202;1 </sup> &#8260; <font style="font-size:6pt;line-height:7pt;"> 2 </font> . <br>

                      &#8226;&#8194;We reserve the right to discontinue or modify the program.
                    </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt Solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-bottom:5pt;padding-left:5pt; padding-right:5pt;padding-top:2.5pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:16.80%;"> Minimum Distribution Program
                    </td>
                  <td style="border-bottom:0.5pt Solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:5pt;padding-left:5pt; padding-right:5pt;padding-top:2.5pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:41.60%;"> Allows you to automatically take withdrawals to satisfy the minimum distribution requirements (RMD)
                      imposed by the Internal Revenue Code.
                    </td>
                  <td style="border-bottom:0.5pt Solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:5pt;padding-left:5pt;padding-right:5pt; padding-top:2.5pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:41.60%;"> &#8226;&#8194;Only available during the Accumulation Phase. <br>

                      &#8226;&#8194;Only available to IRA or SEP IRA Contracts. <br>

                      &#8226;&#8194;Program withdrawals count against free withdrawal privilege. <br>

                      &#8226;&#8194;Program withdrawals may be subject to negative Daily Adjustments. <br>

                      &#8226;&#8194;Program withdrawals may be subject to income taxes. <br>

                      &#8226;&#8194;Program withdrawals may be monthly, quarterly, semi-annual or annual, unless you have less than $25,000 in Contract Value, in which case only annual payments are available. <br>

                      &#8226;&#8194;We reserve the right to discontinue or modify the program subject to the requirements of law.
                    </td>
                </tr>

            </table>
          </div>
        </div>
        <div type="Block" style="margin-top:30pt;width:100%;">
          <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:0.5pt solid #000000;height:0.5pt;width:100%;">
          <div style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:13pt;margin-bottom:2pt;margin-top:2pt;text-align:center;text-decoration:none;text-transform:none;"> Allianz Index Advantage <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#174; </sup> New York Variable Annuity Prospectus &#8211; April 29, 2022 </div>
        </div>
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          <div style="color:#000000;font-family:Arial;font-size:9pt;font-style:Normal;font-weight:bold;line-height:12pt;text-align:center;text-decoration:none;text-transform:none;">&#160;54&#160;</div>
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      <div style="clear:both;font-size:12pt;height:0pt;">
      </div>
      <hr style="margin-bottom:0pt;">
      <p style="margin:0pt;page-break-before:always;">&#160;
      </p>
      <div style="width:100%;">
        <a name="xx_d0900dac-c33c-42ef-bf73-3b3047122839_2">
        </a>
        <div style="font-family:Arial;font-size:7pt;line-height:10pt;font-weight:Normal;text-transform:none;text-align:left;vertical-align:bottom;padding-bottom:10pt;">
          <a href="#JOB_Index_3271f810-de27-47d4-9b4d-756928a3a1d0_va-toc">
            Table of Contents
          </a>
        </div>
        <div type="Block" style="width:100%;">
          <div style="text-align:center;">
            <table cellspacing="0" cellpadding="0" id="z668042955c39410385fd8dcadafec2a5" style="border-bottom:0.5pt solid #000000;border-collapse:collapse;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;margin-left:auto;margin-right:auto;margin-top:0pt;width:98.79%;">

                <tr style="page-break-inside:avoid;">
                  <td colspan="3" style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-bottom:2.5pt;padding-left:5pt;padding-right:5pt;padding-top:5pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:100%;"> Standard Benefits (No Additional Charge)
                    </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-bottom:2.5pt;padding-left:5pt; padding-right:5pt;padding-top:2.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:16.80%;"> Name of Benefit
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-bottom:2.5pt;padding-left:5pt; padding-right:5pt;padding-top:2.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;white-space:nowrap;width:41.60%;"> Purpose
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-bottom:2.5pt;padding-left:5pt;padding-right:5pt; padding-top:2.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:41.60%;"> Brief Description of Restrictions/Limitations
                    </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-left:5pt;padding-right:5pt; padding-top:2.5pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:16.80%;"> Financial Adviser Fees
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:5pt;padding-right:5pt; padding-top:2.5pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:41.60%;"> If you have a financial adviser and want to pay their financial adviser fees from this Contract, you can instruct us to
                      withdraw the fee from your Contract and pay it to your Financial Professional or Financial Professional&#8217;s firm as instructed.
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:5pt;padding-right:5pt;padding-top:2.5pt;text-align:left; text-decoration:none;text-transform:none;vertical-align:top;width:41.60%;"> &#8226;&#8194;Only available during the Accumulation Phase. <br>

                      &#8226;&#8194;Financial adviser fees are in addition to the Contract&#8217;s fees and expenses. <br>

                      &#8226;&#8194;Deductions for financial adviser fees are treated as withdrawals under the Contract. <br>

                      &#8226;&#8194;Program withdrawals count against free withdrawal privilege. <br>

                      &#8226;&#8194;Program withdrawals may be subject to negative Daily Adjustments. <br>

                      &#8226;&#8194;Program withdrawals may be subject to withdrawal charges and income taxes, including a 10% additional federal tax if taken before age 59&#8202; <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#8202;1 </sup> &#8260; <font style="font-size:6pt;line-height:7pt;"> 2 </font> . <br>

                      &#8226;&#8194;We reserve the right to discontinue or modify the program.
                    </td>
                </tr>
                <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-left:5pt;padding-right:5pt; padding-top:2.5pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:16.80%;"> Waiver of Withdrawal Charge Benefit
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:5pt;padding-right:5pt; padding-top:2.5pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:41.60%;"> Waives withdrawal charges if you become confined to a nursing home.
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:5pt;padding-right:5pt;padding-top:2.5pt;text-align:left; text-decoration:none;text-transform:none;vertical-align:top;width:41.60%;"> &#8226;&#8194;Only available during the Accumulation Phase. <br>

                      &#8226;&#8194;Confinement must be for at least 90 consecutive days. <br>

                      &#8226;&#8194;Requires physician certification. <br>

                      &#8226;&#8194;Not available if any Owner was confined to a nursing home on the Issue Date. <br>

                      &#8226;&#8194;Program withdrawals count against free withdrawal privilege. <br>

                      &#8226;&#8194;Program withdrawals may be subject to negative Daily Adjustments. <br>

                      &#8226;&#8194;Program withdrawals are not subject to withdrawal charges, but may be subject to income taxes, including a 10% additional federal tax if taken before age 59 <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#8202;1 </sup> &#8260; <font style="font-size:6pt;line-height:7pt;"> 2 </font> . <br>

                      &#8226;&#8194;State variations may apply.
                    </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-bottom:5pt;padding-left:5pt; padding-right:5pt;padding-top:2.5pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:16.80%;"> Traditional Death Benefit
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:5pt;padding-left:5pt; padding-right:5pt;padding-top:2.5pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:41.60%;"> Provides a death benefit equal to the greater of the Contract Value, or Guaranteed Death Benefit Value.
                      The Guaranteed Death Benefit Value is total Purchase Payments adjusted for withdrawals. <br>
                    An example of the death benefit provided by the Traditional Death Benefit is included in section 10, Death Benefit. <br>
                    An example of the impact of withdrawals for financial adviser fees that you choose to have us pay from this Contract on the death benefit is included in section 1.
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:5pt;padding-left:12pt;padding-right:5pt; padding-top:2.5pt;text-align:left;text-decoration:none;text-indent:-7pt;text-transform:none;vertical-align:top;width:41.60%;"> &#8226;&#8194;Benefit only available during the Accumulation Phase. <br>

                      &#8226;&#8194;Withdrawals, including any negative Daily Adjustments, may significantly reduce the benefit as indicated in section 1, Financial Adviser Fee Deduction Example. <br>

                      &#8226;&#8194;Restrictions on Purchase Payments may limit the benefit. <br>

                      &#8226;&#8194;Annuitizing the Contract will end the benefit.
                    </td>
                </tr>

            </table>
          </div>
        </div>
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          <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:0.5pt solid #000000;height:0.5pt;width:100%;">
          <div style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:13pt;margin-bottom:2pt;margin-top:2pt;text-align:center;text-decoration:none;text-transform:none;"> Allianz Index Advantage <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#174; </sup> New York Variable Annuity Prospectus &#8211; April 29, 2022 </div>
        </div>
        <div type="Block" style="margin-top:4pt;width:100%;">
          <div style="color:#000000;font-family:Arial;font-size:9pt;font-style:Normal;font-weight:bold;line-height:12pt;text-align:center;text-decoration:none;text-transform:none;">&#160;55&#160;</div>
        </div>
      </div>
      <div style="clear:both;font-size:12pt;height:0pt;">
      </div>
      <hr style="margin-bottom:0pt;">
      <p style="margin:0pt;page-break-before:always;">&#160;
      </p>
      <div style="width:100%;">
        <a name="xx_d0900dac-c33c-42ef-bf73-3b3047122839_3">
        </a>
        <div style="font-family:Arial;font-size:7pt;line-height:10pt;font-weight:Normal;text-transform:none;text-align:left;vertical-align:bottom;padding-bottom:10pt;">
          <a href="#JOB_Index_3271f810-de27-47d4-9b4d-756928a3a1d0_va-toc">
            Table of Contents
          </a>
        </div>
        <div type="Block" style="width:100%;">
          <div style="text-align:center;">
            <table cellspacing="0" cellpadding="0" id="z3023c27b9fac4c6690f3324076accd89" style="border-bottom:0.5pt solid #000000;border-collapse:collapse;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;margin-left:auto;margin-right:auto;margin-top:0pt;width:98.79%;">

                <tr style="page-break-inside:avoid;">
                  <td colspan="3" style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-bottom:2.5pt;padding-left:5pt;padding-right:5pt;padding-top:5pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:100%;"> Standard Benefits (No Additional Charge)
                    </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-bottom:2.5pt;padding-left:5pt; padding-right:5pt;padding-top:2.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:16.80%;"> Name of Benefit
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-bottom:2.5pt;padding-left:5pt; padding-right:5pt;padding-top:2.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;white-space:nowrap;width:41.60%;"> Purpose
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-bottom:2.5pt;padding-left:5pt;padding-right:5pt; padding-top:2.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:41.60%;"> Brief Description of Restrictions/Limitations
                    </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-bottom:5pt;padding-left:5pt; padding-right:5pt;padding-top:2.5pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:16.80%;"> Performance Lock
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:5pt;padding-left:5pt; padding-right:5pt;padding-top:2.5pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:41.60%;"> Allows you to capture the current Index Option Value during the Index Year for an Index Option. Can help
                      eliminate doubt about future Index performance and possibly limit the impact of negative performance. <br>
                    A Performance Lock example is included in section 4, Valuing Your Contract &#8212; Performance Locks.
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:5pt;padding-left:5pt;padding-right:5pt; padding-top:2.5pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:41.60%;"> &#8226;&#8194;Available during the Accumulation Phase. <br>

                      &#8226;&#8194;Not available with the Index Protection Strategy Index Options. <br>

                      &#8226;&#8194;May be exercised before the next Index Anniversary for an Index Option. <br>

                      &#8226;&#8194;If exercised, will no longer participate in Index performance (positive or negative) for the remainder of the Index Year, and will not receive a Credit on the next Index Anniversary. <br>

                      &#8226;&#8194;You will not know your locked Index Option Value in advance. <br>

                      &#8226;&#8194;The locked Index Option Value will reflect a Daily Adjustment. <br>

                      &#8226;&#8194;If executed when Daily Adjustment has declined, will lock in any loss. <br>

                      &#8226;&#8194;Can be executed only once each Index Year for each Index Option. <br>

                      &#8226;&#8194;Cannot be exercised for only a portion of the Index Option Value. <br>

                      &#8226;&#8194;Deductions (e.g. withdrawals, fees) decrease the locked Index Option Value. <br>

                      &#8226;&#8194;Cannot transfer locked Index Option Value until the next Index Anniversary. <br>

                      &#8226;&#8194;We will not provide advice or notify you regarding whether you should exercise or the optimal time for doing so. <br>

                      &#8226;&#8194;We will not warn you if you exercise at a sub-optimal time.
                    </td>
                </tr>

            </table>
          </div>
          <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:2pt solid #000000;height:2pt;width:100%;">
          <div style="color:#000000;font-family:Arial;font-size:11pt;font-style:Normal;font-weight:Normal;line-height:13pt;margin-top:5pt;text-align:left;text-decoration:none;text-transform:lowercase;"> 10. <font style="text-transform:uppercase;"> &#160;&#160;Death
                Benefit </font></div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;">&#8220;You&#8221; in this section refers to the Owner, or the
            Annuitant if the Contract is owned by a non-individual.</div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-bottom:2pt;margin-top:2pt;text-align:left;text-decoration:none;text-transform:none;"> The Contract provides the
              Traditional Death Benefit for no additional charge. The death benefit is the greater of the Contract Value, or Guaranteed Death Benefit Value. The Traditional Death Benefit's Guaranteed Death Benefit Value is total Purchase Payments reduced
              proportionately for withdrawals you take (including any withdrawal charge). </div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;">The death benefit is only available during the
            Accumulation Phase.<font style="font-weight:Normal;"> If you or the Determining Life (Lives) die during the Accumulation Phase, we process the death benefit using prices determined after we receive the required information, which is either a
              Valid Claim or due proof of death as stated here. (For information on due proof of death see the Glossary &#8211; Valid Claim). If we receive this information at or after the end of the current Business Day, we use the next Business Day&#8217;s prices.</font></div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;">If there are multiple Beneficiaries, each
            Beneficiary receives the portion of the death benefit he or she is entitled to when we receive his or her Valid Claim. If a Beneficiary dies before you or the Designated Life, that Beneficiary&#8217;s interest in this Contract ends unless your
            Beneficiary designation specifies otherwise. If there are no remaining Beneficiaries, or no named Beneficiaries, we pay the death benefit to your estate, or if the Owner is a non-individual, to the Owner. Unless you instruct us to pay
            Beneficiaries a specific percentage of the death benefit, each Beneficiary receives an equal share.</div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-bottom:2pt;margin-top:2pt;text-align:left;text-decoration:none;text-transform:none;"> Each Beneficiary&#8217;s portion
              of the death benefit remains in the Allocation Options based on the allocation instructions that were in effect on the date of death until we receive his or her Valid Claim and we either pay the claim or the Beneficiary provides alternate
              allocation instructions. If there is Variable Account Value in the AZL Government Money Market Fund awaiting transfer to the Index Options on the date of death, it remains there until the earlier of the next Index Anniversary, or the date we
              receive a Valid Claim. If an Index Anniversary occurs before we receive a Valid Claim, we will transfer that Beneficiary&#8217;s portion of the Variable Account Value destined for the Index Options based on the Purchase Payment default instructions
              that were in effect on the date of death. </div>
        </div>
        <div type="Block" style="margin-top:4pt;width:100%;">
          <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:0.5pt solid #000000;height:0.5pt;width:100%;">
          <div style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:13pt;margin-bottom:2pt;margin-top:2pt;text-align:center;text-decoration:none;text-transform:none;"> Allianz Index Advantage <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#174; </sup> New York Variable Annuity Prospectus &#8211; April 29, 2022 </div>
        </div>
        <div type="Block" style="margin-top:4pt;width:100%;">
          <div style="color:#000000;font-family:Arial;font-size:9pt;font-style:Normal;font-weight:bold;line-height:12pt;text-align:center;text-decoration:none;text-transform:none;">&#160;56&#160;</div>
        </div>
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      <div style="clear:both;font-size:12pt;height:0pt;">
      </div>
      <hr style="margin-bottom:0pt;">
      <p style="margin:0pt;page-break-before:always;">&#160;
      </p>
      <div style="width:100%;">
        <a name="xx_d0900dac-c33c-42ef-bf73-3b3047122839_4">
        </a>
        <div style="font-family:Arial;font-size:7pt;line-height:10pt;font-weight:Normal;text-transform:none;text-align:left;vertical-align:bottom;padding-bottom:10pt;">
          <a href="#JOB_Index_3271f810-de27-47d4-9b4d-756928a3a1d0_va-toc">
            Table of Contents
          </a>
        </div>
        <div type="Block" style="width:100%;">
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;">From the time we determine the death benefit
            until we make a complete distribution, any amount in the Allocation Options continues to be subject to investment risk that is borne by the recipient(s). Once we receive notification of death, we may no longer accept or process transfer
            requests. After we receive the first Valid Claim from any Beneficiary we also will not accept additional Purchase Payments or allow any partial or full withdrawals unless the withdrawal is required to comply with federal tax law.</div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-bottom:2pt;margin-top:2pt;text-align:left;text-decoration:none;text-transform:none;"> On the first death of a
              Determining Life during the Accumulation Phase, if the Traditional Death Benefit is in effect your Beneficiary(s) will receive the greater of the Contract Value or Guaranteed Death Benefit Value. The Guaranteed Death Benefit Value is total
              Purchase Payments reduced proportionately for withdrawals you take (including any withdrawal charge). For example, assume total Purchase Payments are $90,000, you take no withdrawals, and the current Contract Value is $100,000. The death
              benefit for the Traditional Death Benefit is the $100,000 Contract Value. </div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;"> If the date we are determining the death
              benefit is not an Index Anniversary, the Contract Value reflects the Daily Adjustment. Withdrawals you take reduce your Guaranteed Death Benefit Value by the percentage of Contract Value withdrawn (including any withdrawal charge), determined
              at the end of each Business Day. <font style="font-style:italic;font-weight:bold;"> All withdrawals you take reduce the Guaranteed Death Benefit Value and Contract Value, even Penalty-Free Withdrawals, and financial adviser fees that
                you choose to have us pay from this Contract. </font> However, we do not reduce the Guaranteed Death Benefit Value for deductions we make for Contract fees and expenses. <font style="font-style:italic;font-weight:bold;"> Deductions for Contract fees and expenses will, however, decrease the Contract Value by the dollar amount withdrawn. In addition,
                because the death benefit is based on the greater of Contract Value or the Guaranteed Death Benefit Value, deductions we make for Contract fees and expenses may reduce the death benefit available to your Beneficiaries. </font></div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;"> Examples of the impact of withdrawals for
              financial adviser fees that you choose to have us pay from this Contract on the death benefit are included in section 1. </div>
          <div style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;">What Happens Upon Death?</div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-bottom:2pt;margin-top:2pt;text-align:left;text-decoration:none;text-transform:none;"> If you are the Determining
              Life, or if you and the Determining Life (Lives) are different individuals and die simultaneously as described in the discussion of Beneficiaries in section 2, Ownership, Annuitants, Determining Life, Beneficiaries and Payees, we determine
              the Traditional Death Benefit at the end of the Business Day we receive a Valid Claim. For multiple Beneficiaries, each surviving Beneficiary receives the greater of their portion of the: </div>
          <div style="text-align:left;">
            <table cellspacing="0" cellpadding="2" id="z01368588eed44a7d9130ced3d93ad4c0" style="border-collapse:collapse;empty-cells:show;margin-top:2pt;width:100%;">

                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;"> &#8226;
                    </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;"> Guaranteed Death Benefit Value determined at the end of the Business Day we receive the first Valid Claim from any one Beneficiary, or
                    </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-bottom:0pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:2.83%;"> &#8226;
                    </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-bottom:0pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;width:97.17%;"> Contract Value determined at the end of the Business Day during which we receive his or her Valid Claim.
                    </td>
                </tr>

            </table>
          </div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:9pt;text-align:left;text-decoration:none;text-transform:none;">If you and the Determining Life (Lives) are
            different individuals and do not die simultaneously, the death benefit is as follows. <font style="font-style:italic;font-weight:bold;">This can only occur if you change the Owner after the Issue Date.</font></div>
          <div style="text-align:left;">
            <table cellspacing="0" cellpadding="0" id="z945e0f8fb7d64bf5a7bd5703bd9ba4d1" style="border-collapse:collapse;empty-cells:show;margin-top:2pt;width:100%;">

                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;"> &#8226;
                    </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;"> If a Determining Life dies before you, we do not pay a death benefit to the Beneficiary(s) but we may increase the Contract Value if the Traditional Death Benefit is still in effect <font style="font-weight:Normal;"> .
                        At the end of the Business Day we receive due proof of a Determining Life&#8217;s death we increase the Contract Value to equal&#160;the Guaranteed Death Benefit Value if greater, </font><font style="font-style:italic;"> and the
                        Traditional Death Benefit ends </font><font style="font-weight:Normal;"> . We allocate any Contract Value increase to the Allocation Options according to your Purchase Payment default instructions. </font>
                  </td>
                </tr>

            </table>
          </div>
          <div style="text-align:left;">
            <table cellspacing="0" cellpadding="0" id="z3a240406e00547b0b9bf71a98c5ac968" style="border-collapse:collapse;empty-cells:show;margin-top:2pt;width:100%;">

                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;">&#8226;
                  </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;">Upon your death your Beneficiary(s) receive the Contract Value determined at the end of the Business Day during which we receive each Beneficiary&#8217;s Valid Claim.
                  </td>
                </tr>

            </table>
          </div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;margin-top:9pt;text-align:left;text-decoration:none;text-transform:none;">The Traditional Death Benefit ends upon the
            earliest of the following.</div>
          <div style="text-align:left;">
            <table cellspacing="0" cellpadding="0" id="z4ecae4526e184fc9a49e72edf61d2df0" style="border-collapse:collapse;empty-cells:show;margin-top:2pt;width:100%;">

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                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;">&#8226;
                  </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;">The Business Day before the Annuity Date.
                  </td>
                </tr>

            </table>
          </div>
          <div style="text-align:left;">
            <table cellspacing="0" cellpadding="0" id="zde09f763caab478b8056b561e7503de1" style="border-collapse:collapse;empty-cells:show;margin-top:2pt;width:100%;">

                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;"> &#8226;
                    </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;"> The Business Day that the Guaranteed Death Benefit Value and Contract Value are both zero.
                    </td>
                </tr>

            </table>
          </div>
          <div style="text-align:left;">
            <table cellspacing="0" cellpadding="2" id="za81097eb3b78458c84164d32a07dad0c" style="border-collapse:collapse;empty-cells:show;margin-top:2pt;width:100%;">

                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;">&#8226;
                  </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;">Upon the death of a Determining Life, the end of the Business Day we receive a Valid Claim from all Beneficiaries if you and the Determining Life are the same individuals, or if you and the Determining Life (Lives) are
                    different individuals and die simultaneously.
                  </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;">&#8226;
                  </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;">Upon the death of a Determining Life, the end of the Business Day we receive due proof of the Determining Life&#8217;s death if you and the Determining Life (Lives) are different individuals and do not die simultaneously.
                  </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;">&#8226;
                  </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;">Upon the death of an Owner (or Annuitant if the Owner is a non-individual), the end of the Business Day we receive the first Valid Claim from any one Beneficiary, if the Owner (or Annuitant) is no longer a Determining
                    Life.
                  </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-bottom:0pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:2.83%;">&#8226;
                  </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-bottom:0pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;width:97.17%;">The Business Day the Contract ends.
                  </td>
                </tr>

            </table>
          </div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;text-align:left;text-decoration:none;text-transform:none;">&#160;&#160;&#160;&#160;</div>
        </div>
        <div type="Block" style="margin-top:13pt;width:100%;">
          <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:0.5pt solid #000000;height:0.5pt;width:100%;">
          <div style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:13pt;margin-bottom:2pt;margin-top:2pt;text-align:center;text-decoration:none;text-transform:none;"> Allianz Index Advantage <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#174; </sup> New York Variable Annuity Prospectus &#8211; April 29, 2022 </div>
        </div>
        <div type="Block" style="margin-top:4pt;width:100%;">
          <div style="color:#000000;font-family:Arial;font-size:9pt;font-style:Normal;font-weight:bold;line-height:12pt;text-align:center;text-decoration:none;text-transform:none;">&#160;57&#160;</div>
        </div>
      </div>
      <div style="clear:both;font-size:12pt;height:0pt;">
      </div>
      <hr style="margin-bottom:0pt;">
      <p style="margin:0pt;page-break-before:always;">&#160;
      </p>
      <div style="width:100%;">
        <a name="xx_d0900dac-c33c-42ef-bf73-3b3047122839_5">
        </a>
        <div style="font-family:Arial;font-size:7pt;line-height:10pt;font-weight:Normal;text-transform:none;text-align:left;vertical-align:bottom;padding-bottom:10pt;">
          <a href="#JOB_Index_3271f810-de27-47d4-9b4d-756928a3a1d0_va-toc">
            Table of Contents
          </a>
        </div>
        <div type="Block" style="width:100%;">
          <div style="text-align:center;">
            <table cellspacing="0" cellpadding="0" id="z290efdb3e94c4be29c68115eb6a94c1c" style="border-bottom:0.5pt solid #000000;border-collapse:collapse;border-top:0.5pt solid #000000;empty-cells:show;margin-left:auto;margin-right:auto;margin-top:6pt;width:99.60%;">

                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-bottom:4pt;padding-left:4pt;padding-right:4pt;padding-top:4pt;text-align:left; text-decoration:none;text-transform:none;vertical-align:top;width:100%;">We base the Traditional Death Benefit on the first death of a Determining Life (or Lives). This means that upon the death of an Owner (or Annuitant if the Owner is
                    a non-individual), <font style="font-style:italic;font-weight:bold;">if a surviving spouse continues</font> <font style="font-style:italic;font-weight:bold;">the Contract the Traditional Death Benefit is no longer available</font>. <font style="font-style:italic;font-weight:bold;">Also, if you and the Determining Life (Lives) are different individuals and you die first, the Traditional Death Benefit is not available to your Beneficiary(s).</font>
                  </td>
                </tr>

            </table>
          </div>
          <div style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;margin-top:12pt;text-align:left;text-decoration:none;text-transform:uppercase;">Death of the Owner and/or Annuitant</div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;">The Appendix A to the Form N-4 SAI includes
            tables that are intended to help you better understand what happens upon the death of any Owner and/or Annuitant under the different portions of the Contract.</div>
          <div style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:uppercase;">Death Benefit Payment Options During the
            Accumulation Phase</div>
          <div style="text-align:left;">
            <table cellspacing="0" cellpadding="2" id="z4581e254eb2e47bfae13fceb4cc75020" style="border-collapse:collapse;empty-cells:show;margin-top:3pt;width:100%;">

                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;">&#8226;
                  </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;">For Contracts without the Index Protection NY Strategy:<font style="font-weight:Normal;"> If you do not designate a death benefit payment option, a Beneficiary must select one of the options listed below. If no death
                      benefit payment option is selected, we default payment to Option B.</font>
                  </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-bottom:0pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:2.83%;">&#8226;
                  </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;padding-bottom:0pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;width:97.17%;">For Contract with the Index Protection NY Strategy:<font style="font-weight:Normal;"> Each Beneficiary must select one of the death benefit payment options listed below.</font>
                  </td>
                </tr>

            </table>
          </div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:9pt;text-align:left;text-decoration:none;text-transform:none;">If a Beneficiary requests a lump sum payment
            under Option A, we pay that Beneficiary within seven days of receipt of his or her Valid Claim, unless the suspension of payments or transfers provision is in effect. Payment of the death benefit may be delayed, pending receipt of any state
            forms.</div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;">Spousal Continuation:<font style="font-weight:Normal;"> If the Beneficiary is the deceased Owner&#8217;s spouse, he or she can choose to continue the Contract with the portion of the death benefit the spouse is entitled to in his or her own name. For an IRA, Roth IRA, or SEP
              IRA Contract, spousal continuation can only occur if the surviving spouse is the Contract&#8217;s sole primary Beneficiary. For non-individually owned Contracts, spousal continuation is only available to Qualified Contracts through a direct
              rollover to an IRA. </font>Spouses must qualify as such under federal law to continue the Contract.<font style="font-weight:Normal;"> Individuals who have entered into a registered domestic partnership, civil union, or other similar
              relationship that is not considered to be a marriage under state law are also not considered to be married under federal law. An election by the spouse to continue the Contract must be made on the death claim form before we pay the death
              benefit. If the deceased Owner was a Determining Life and the surviving spouse Beneficiary continues the Contract, at the end of the Business Day we receive his or her Valid Claim we increase the Contract Value to equal&#160;the Guaranteed Death
              Benefit Value if greater and available, and the Traditional Death Benefit ends. We allocate any Contract Value increase to the Allocation Options according to Purchase Payment default instructions. If the surviving spouse continues the
              Contract:</font></div>
          <div style="text-align:left;">
            <table cellspacing="0" cellpadding="2" id="z3fd5c65132cf4a22b992622580c27287" style="border-collapse:collapse;empty-cells:show;margin-top:3pt;width:100%;">

                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;">&#8226;
                  </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;">he or she becomes the new Owner and may exercise all of the Owner&#8217;s rights, including naming a new Beneficiary or Beneficiaries;
                  </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;">&#8226;
                  </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;">he or she is subject to any remaining withdrawal charge; and
                  </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-bottom:0pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:2.83%;">&#8226;
                  </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-bottom:0pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;width:97.17%;">upon the surviving spouse&#8217;s death their Beneficiary(s) receive the Contract Value determined at the end of the Business Day during which we receive a Valid Claim from each Beneficiary.
                  </td>
                </tr>

            </table>
          </div>
          <div style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;margin-top:12pt;text-align:left;text-decoration:none;text-transform:uppercase;">Death Benefit Payment Options</div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-bottom:2pt;margin-top:2pt;text-align:left;text-decoration:none;text-transform:none;"> The following applies to
              Non-Qualified Contracts. Different rules may apply to Qualified Contracts. For more information, please see section 11, Taxes &#8211; Distributions Upon the Owner&#8217;s Death (or Annuitant&#8217;s Death if the Owner is a Non-Individual). </div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;">Option A:<font style="font-weight:Normal;"> Lump
              sum payment of the death benefit.</font></div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;">Option B:<font style="font-weight:Normal;"> Payment
              of the entire death benefit within five years of the date of any Owner&#8217;s death. The Beneficiary can continue to make transfers between Allocation Options and is subject to a transfer fee and the product fee.</font></div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;">Option C:<font style="font-weight:Normal;"> If the
              Beneficiary is an individual, payment of the death benefit as Annuity Payments under Annuity Options 1, 2, or 5. With our written consent other options may be available for payment over a period not extending beyond the Beneficiary&#8217;s life
              expectancy under which the Beneficiary can continue to make transfers between Allocation Options and is subject to a transfer fee and the product fee.</font></div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;">Distribution from Non-Qualified Contracts must
            begin within one year of the date of the Owner&#8217;s death. Any portion of the death benefit from Non-Qualified Contracts not applied to Annuity Payments within one year of the date of the Owner&#8217;s death must be distributed within five years of the
            date of death.</div>
        </div>
        <div type="Block" style="margin-top:4pt;width:100%;">
          <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:0.5pt solid #000000;height:0.5pt;width:100%;">
          <div style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:13pt;margin-bottom:2pt;margin-top:2pt;text-align:center;text-decoration:none;text-transform:none;"> Allianz Index Advantage <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#174; </sup> New York Variable Annuity Prospectus &#8211; April 29, 2022 </div>
        </div>
        <div type="Block" style="margin-top:4pt;width:100%;">
          <div style="color:#000000;font-family:Arial;font-size:9pt;font-style:Normal;font-weight:bold;line-height:12pt;text-align:center;text-decoration:none;text-transform:none;">&#160;58&#160;</div>
        </div>
      </div>
      <div style="clear:both;font-size:12pt;height:0pt;">
      </div>
      <hr style="margin-bottom:0pt;">
      <p style="margin:0pt;page-break-before:always;">&#160;
      </p>
      <div style="width:100%;">
        <a name="xx_d0900dac-c33c-42ef-bf73-3b3047122839_6">
        </a>
        <div style="font-family:Arial;font-size:7pt;line-height:10pt;font-weight:Normal;text-transform:none;text-align:left;vertical-align:bottom;padding-bottom:10pt;">
          <a href="#JOB_Index_3271f810-de27-47d4-9b4d-756928a3a1d0_va-toc">
            Table of Contents
          </a>
        </div>
        <div type="Block" style="width:100%;">
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;">If a Non-Qualified Contract is owned by a
            non-individual, then we treat the death of an Annuitant as the death of an Owner for purposes of the Code&#8217;s distribution at death rules, which are set forth in Section 72(s) of the Code.</div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;">In all events, notwithstanding any provision to
            the contrary in the Contract or this prospectus, a Non-Qualified Contract is interpreted and administered in accordance with Section 72(s) of the Code.</div>
          <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:2pt solid #000000;height:2pt;width:100%;">
          <div style="color:#000000;font-family:Arial;font-size:11pt;font-style:Normal;font-weight:Normal;line-height:13pt;margin-top:5pt;text-align:left;text-decoration:none;text-transform:lowercase;"> 11. <font style="text-transform:uppercase;"> &#160;&#160;Taxes </font></div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;"> This section provides a summary explanation of
              the tax ramifications of purchasing a Contract. <font style="font-weight:bold;"> We do not provide individual tax advice. You should contact your tax adviser to discuss this Contract&#8217;s effects on your personal tax situation. </font></div>
          <div style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:uppercase;"> Annuity Contracts in General </div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;"> Annuity contracts are a means of setting aside
              money for future needs &#8211; usually retirement. Congress recognized the importance of saving for retirement and provided special rules in the Code for annuities. </div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;"> There are different rules regarding how you
              will be taxed, depending upon how you take the money out and whether the annuity is Qualified or Non-Qualified. Generally any taxable distribution is subject to federal income tax and any applicable state income tax at ordinary income tax
              rates (instead of capital gains rates). </div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;"> You can purchase either a Qualified Contract
              or a Non-Qualified Contract. If you do not purchase one of the various types of Qualified Contracts described in this section, the Contract is referred to as a Non-Qualified Contract. </div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;"> This prospectus does not address specific
              state tax laws. You should discuss state taxation with your tax adviser. </div>
          <div style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:uppercase;"> Qualified Contracts </div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;"> If you purchase the Contract as an IRA, Roth
              IRA, SEP IRA, or to fund a qualified retirement plan, the Contract is referred to as a Qualified Contract. Qualified Contracts are subject to certain restrictions under the Code, including restrictions on the amount of annual contributions,
              restrictions on how much you can earn and still be able to contribute to a Qualified Contract, and specialized restrictions on withdrawals. Qualified Contracts must be purchased from earned income from the relevant year or years, or from a
              rollover or transfer from a qualified contract. An IRA to IRA indirect rollover can occur only once in any twelve-month period from all of the IRAs you currently own. Adverse tax consequences may result if contributions, distributions, and
              transactions in connection with the Qualified Contract do not comply with the law. </div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;"> A Qualified Contract funded by an annuity does
              not provide any additional tax deferral. However, the Contract has features and benefits other than tax deferral that may make it appropriate for an IRA or qualified retirement plan. You should consult your tax adviser regarding these
              features and benefits before purchasing a Qualified Contract. </div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;"> We may issue the following types of Qualified
              Contracts to an individual. Purchasers of a Contract for use with IRAs have the right to revoke their purchase within seven days of the earliest of the establishment of the IRA, or their purchase. </div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:2pt;text-align:left;text-decoration:none;text-transform:none;">&#8226;&#160;&#160;</div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-bottom:2pt;margin-top:2pt;padding-left:2.83%;text-align:left;text-decoration:none; text-transform:none;"><font style="text-decoration:underline;"> IRA (Traditional IRA). </font> Section 408 of the Code permits eligible individuals to fund IRAs. IRA contributions are limited each year to the lesser of a dollar amount
              specified in the Code or 100% of the amount of earned income included in the Owner&#8217;s income. Contributions may be tax deductible based on the Owner&#8217;s income. Contributions must be made in cash. The limit on the amount contributed to an IRA
              does not apply to distributions from certain other types of IRAs or qualified retirement plans that are transferred or rolled over on a tax-deferred basis into an IRA. </div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:2pt;text-align:left;text-decoration:none;text-transform:none;">&#8226;&#160;&#160;</div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-bottom:2pt;margin-top:2pt;padding-left:2.83%;text-align:left;text-decoration:none; text-transform:none;"><font style="text-decoration:underline;"> Roth IRA. </font> Section 408A of the Code permits certain eligible individuals to contribute to a Roth IRA. Contributions to a Roth IRA are limited each year to the lesser
              of a dollar amount specified in the Code or 100% of the amount of earned income included in the Owner&#8217;s income. Contributions are also limited or prohibited if the Owner&#8217;s income is above certain limits. Contributions must be made in cash.
              The limit on the amount contributed to a Roth IRA does not apply to distributions from certain other types of IRAs or qualified retirement plans that are transferred or rolled over (conversion) into a Roth IRA. </div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:5pt;padding-left:2.83%;text-align:left;text-decoration:none;text-transform:none; "> Conversions to a Roth IRA from an IRA or other eligible qualified retirement plan are permitted regardless of an individual&#8217;s income. A conversion to a Roth IRA results in a taxable event, but not a 10% additional federal tax for early
              withdrawal if certain qualifications are met (please consult your tax adviser for more details). </div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:2pt;text-align:left;text-decoration:none;text-transform:none;">&#8226;&#160;&#160;</div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-bottom:2pt;margin-top:2pt;padding-left:2.83%;text-align:left;text-decoration:none; text-transform:none;"><font style="text-decoration:underline;"> Simplified Employee Pension (SEP) IRA </font> . Employers may establish SEP IRAs under Code Section 408(k) to provide IRA contributions on behalf of their employees. In
              addition to all of the general rules governing IRAs, such plans are subject to additional requirements and different contribution limits. </div>
        </div>
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          <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:0.5pt solid #000000;height:0.5pt;width:100%;">
          <div style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:13pt;margin-bottom:2pt;margin-top:2pt;text-align:center;text-decoration:none;text-transform:none;"> Allianz Index Advantage <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#174; </sup> New York Variable Annuity Prospectus &#8211; April 29, 2022 </div>
        </div>
        <div type="Block" style="margin-top:4pt;width:100%;">
          <div style="color:#000000;font-family:Arial;font-size:9pt;font-style:Normal;font-weight:bold;line-height:12pt;text-align:center;text-decoration:none;text-transform:none;">&#160;59&#160;</div>
        </div>
      </div>
      <div style="clear:both;font-size:12pt;height:0pt;">
      </div>
      <hr style="margin-bottom:0pt;">
      <p style="margin:0pt;page-break-before:always;">&#160;
      </p>
      <div style="width:100%;">
        <a name="xx_d0900dac-c33c-42ef-bf73-3b3047122839_7">
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        <div style="font-family:Arial;font-size:7pt;line-height:10pt;font-weight:Normal;text-transform:none;text-align:left;vertical-align:bottom;padding-bottom:10pt;">
          <a href="#JOB_Index_3271f810-de27-47d4-9b4d-756928a3a1d0_va-toc">
            Table of Contents
          </a>
        </div>
        <div type="Block" style="width:100%;">
          <div style="text-align:left;">
            <table cellspacing="0" cellpadding="2" id="z8647fafd3b71405f94e96eb29555790a" style="border-collapse:collapse;empty-cells:show;margin-top:0pt;width:100%;">

                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;"> &#8226;
                    </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;"><font style="text-decoration:underline;"> Inherited IRA. </font><font style="padding-left:0pt;"> The Code permits beneficiaries of investments that were issued under qualified retirement plans or IRAs to directly
                        transfer the death benefit from that investment into a variable annuity contract (Inherited IRA&#160;or Inherited Roth IRA Contract). If you purchase this Contract as a transfer from another carrier, you will become the Owner of the new
                        Inherited IRA Contract&#160;or Inherited Roth IRA Contract. The ownership of this Contract will also reflect the name of the deceased previous owner. Once an Inherited IRA&#160;or Inherited Roth IRA Contract is established, no further
                        Purchase Payments can be made. We may choose not to allow this Contact to be purchased as an Inherited IRA or Inherited Roth IRA. </font>
                  </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="line-height:0pt;padding-bottom:0pt;padding-left:0pt;padding-right:2pt;text-align:left;vertical-align:top;width:2.83%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-bottom:0pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;width:97.17%;"> We may issue the following type of Qualified Contract to a qualified retirement plan.&#160;
                    </td>
                </tr>

            </table>
          </div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:2pt;text-align:left;text-decoration:none;text-transform:none;">&#8226;&#160;&#160;</div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-bottom:2pt;margin-top:2pt;padding-left:2.83%;text-align:left;text-decoration:none; text-transform:none;"><font style="text-decoration:underline;"> Qualified Retirement Plans: Pension and Profit-Sharing Plans. </font> A qualified plan is a retirement or pension plan that meets the requirements for tax qualification
              under the Code. Sections 401(a) and 401(k) of the Code permit employers, including self-employed individuals, to establish various types of retirement plans for employees. These retirement plans may permit the purchase of the Contracts to
              provide benefits under the plan. Contributions to the plan for the benefit of employees are not included in the gross income of the employee until distributed from the plan. The tax consequences to participants may vary, depending upon the
              particular plan design. Participant loans are not allowed under the Contracts purchased in connection with these plans. </div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:5pt;padding-left:2.83%;text-align:left;text-decoration:none;text-transform:none;"> If the Contract is
              purchased for a qualified plan under Section 401 of the Code, the plan is both the Owner and the Beneficiary. The authorized signatory, plan administrator, or plan trustee for the plan must make representations to us that the plan is
              qualified under the Code on the Issue Date and is intended to continue to be qualified for the entire Accumulation Phase of the Contract, or as long as the qualified plan owns the Contract. The qualified plan may designate a third party
              administrator to act on its behalf. All tax reporting is the responsibility of the plan. In the event the qualified plan instructs us to roll the plan assets into an IRA for the Annuitant under this Contract, we change the qualification type
              of the Contract to an IRA and make the Annuitant the Owner. The qualified plan is responsible for any reporting required for the rollover transactions out of the plan. We are responsible for any reporting required for the Contract as an IRA. </div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:5pt;padding-left:2.83%;text-align:left;text-decoration:none;text-transform:none; "> Purchasers of Contracts for use with pension or profit-sharing plans should obtain competent tax advice as to the tax treatment and suitability of a holding an annuity within a plan.&#160; Because of the minimum Purchase Payment requirements,
              these Contracts may not be appropriate for some retirement plans that are funded on a periodic basis. Owners, Annuitants and Beneficiaries are cautioned that benefits under a Qualified Contract may be subject to the terms and conditions of
              the plan regardless of the terms and conditions of the Contracts issued pursuant to the plan. Some retirement plans are subject to distribution and other requirements that are not incorporated into our administrative procedures. We are not
              bound by the terms and conditions of such plans to the extent such terms conflict with the terms of a Contract, unless we specifically consent to be bound. Owners, participants, and Beneficiaries are responsible for determining that
              contributions, distributions and other transactions with respect to the Contracts comply with applicable law. We may choose not to allow pension or profit-sharing plans to purchase this Contract. </div>
          <div style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;margin-top:12pt;text-align:left;text-decoration:none;text-transform:uppercase;"> Summary of Individuals and Entities That Can
              Own a Qualified Contract </div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;">Currently, we offer the following types of
            Qualified Contracts.</div>
          <div style="text-align:center;">
            <table cellspacing="0" cellpadding="0" id="zb356e36385834553a17c978241127401" style="border-bottom:0.5pt solid #000000;border-collapse:collapse;border-top:0.5pt solid #000000;empty-cells:show;margin-left:auto;margin-right:auto;margin-top:6pt;width:100%;">

                <tr style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;padding-bottom:1.75pt;padding-left:0pt;padding-right:9pt; padding-top:4pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:bottom;width:31.40%;"> Type of Contract
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;padding-bottom:1.75pt;padding-left:9pt;padding-top:4pt;text-align:left; text-decoration:none;text-transform:none;vertical-align:bottom;width:70.42%;"> Persons and Entities that can own the Contract
                    </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:0pt;padding-right:9pt;padding-top:1.75pt;text-align:left; text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:31.40%;"> IRA
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:9pt;padding-top:1.75pt;text-align:left; text-decoration:none;text-transform:none;vertical-align:top;width:70.42%;"> Must have the same individual as Owner and Annuitant.
                    </td>
                </tr>
                <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:0pt;padding-right:9pt;padding-top:1.75pt;text-align:left; text-decoration:none;text-transform:none;vertical-align:top;width:31.40%;"> Roth IRA
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:9pt;padding-top:1.75pt;text-align:left; text-decoration:none;text-transform:none;vertical-align:top;width:70.42%;"> Must have the same individual as Owner and Annuitant.
                    </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:0pt;padding-right:9pt;padding-top:1.75pt;text-align:left; text-decoration:none;text-transform:none;vertical-align:top;width:31.40%;"> Simplified Employee Pension (SEP) IRA
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:9pt;padding-top:1.75pt;text-align:left; text-decoration:none;text-transform:none;vertical-align:top;width:70.42%;"> Must have the same individual as Owner and Annuitant.
                    </td>
                </tr>
                <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:0pt;padding-right:9pt;padding-top:1.75pt;text-align:left; text-decoration:none;text-transform:none;vertical-align:top;width:31.40%;"> Certain Code Section 401 Plans
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:9pt;padding-top:1.75pt;text-align:left; text-decoration:none;text-transform:none;vertical-align:top;width:70.42%;"> A qualified retirement plan is the Owner and the Annuitant must be an individual who is a participant in the plan. If the qualified retirement plan is a
                      defined benefit plan, the individual must be the only participant in the plan. <br>

                      We may determine which types of qualified retirement plans are eligible to purchase this Contract.
                    </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-bottom:4pt;padding-left:0pt;padding-right:9pt; padding-top:1.75pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:31.40%;"> Inherited IRA and Inherited Roth IRA
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-bottom:4pt;padding-left:9pt;padding-top:1.75pt; text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:70.42%;"> Must have the same individual as Owner and Annuitant. The deceased owner of the previously held tax-qualified arrangement will also be listed
                      in the titling of the Contract.
                    </td>
                </tr>

            </table>
          </div>
        </div>
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          <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:0.5pt solid #000000;height:0.5pt;width:100%;">
          <div style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:13pt;margin-bottom:2pt;margin-top:2pt;text-align:center;text-decoration:none;text-transform:none;"> Allianz Index Advantage <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#174; </sup> New York Variable Annuity Prospectus &#8211; April 29, 2022 </div>
        </div>
        <div type="Block" style="margin-top:4pt;width:100%;">
          <div style="color:#000000;font-family:Arial;font-size:9pt;font-style:Normal;font-weight:bold;line-height:12pt;text-align:center;text-decoration:none;text-transform:none;">&#160;60&#160;</div>
        </div>
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      </div>
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      <p style="margin:0pt;page-break-before:always;">&#160;
      </p>
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        <a name="xx_d0900dac-c33c-42ef-bf73-3b3047122839_8">
        </a>
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          <a href="#JOB_Index_3271f810-de27-47d4-9b4d-756928a3a1d0_va-toc">
            Table of Contents
          </a>
        </div>
        <div type="Block" style="width:100%;">
          <div style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;margin-bottom:2pt;margin-top:2pt;text-align:left;text-decoration:none;text-transform:uppercase; "> Non-Qualified Contracts </div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;">You can instead purchase a Non-Qualified
            Contract, which is not qualified pursuant to a specialized provision of the Code. There are no Code restrictions on annual contributions to a Non-Qualified Contract or how much you can earn and still contribute to a Contract.</div>
          <div style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;margin-bottom:2pt;margin-top:2pt;text-align:left;text-decoration:none;text-transform:uppercase; "> Non-Qualified Contracts Owned by Non-Individuals </div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;"> When a Non-Qualified Contract is owned by a
              non-individual (other than a trust holding the Contract as an agent for an individual), the Contract is not generally treated as an annuity for tax purposes. This means that the Contract may not receive the benefits of tax deferral and any
              Contract earnings may be taxable every year. </div>
          <div style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:uppercase;"> Taxation of Withdrawals </div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;"> Section 72 of the Code governs taxation of
              annuities in general. An Owner is generally not taxed on increases in the value of a Contract until a distribution occurs, either in the form of withdrawals or as Annuity Payments. </div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;"> For a full withdrawal (total redemption), a
              partial withdrawal, or a death benefit, the recipient is taxed on the portion of the payment that exceeds your investment in the Contract (often referred to as cost basis). For Non-Qualified Contracts, this cost basis is generally the
              Purchase Payments, while for Qualified Contracts there is generally no cost basis, which means the withdrawal is fully taxable, except for qualified distributions from Roth IRAs and IRAs where you have separately tracked and reported any
              after-tax contributions that you have made. </div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;"> For Non-Qualified Contracts, the taxable
              portion of a partial withdrawal is the portion of the payment considered to be gain in the Contract (for example, the difference, if any, between the Contract Value immediately before the withdrawal,&#160;unreduced by any withdrawal charges, and
              the Contract&#8217;s cost basis). The withdrawals are generally taxed as though you were paid taxable earnings first, and then as a non-taxable return of Purchase Payments. </div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;"> Distributions from a Roth IRA generally are
              not subject to income tax if the Roth IRA has been held for five years (starting with the year in which the first contribution is made to any Roth IRA) and the Owner satisfies a triggering event such as attaining age 59 <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#160;1 </sup> &#8260; <font style="font-size:6pt;line-height:8pt;"> 2 </font> , death, disability or a first time homebuyer (subject to a $10,000 lifetime limit). </div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;"> Distribution before satisfying the five year
              period or triggering event requirement may subject the distribution to taxation. Please be aware that each Roth IRA conversion has its own five year holding period requirement for purposes of determining if the 10% additional federal tax
              described below applies. </div>
          <div style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:uppercase;"> 10% Additional Federal Tax </div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;"> Withdrawals, whether partial or full, and
              Annuity Payments may also be subject to an additional federal tax equal to 10% of the taxable amount, unless an exception applies. If you take a withdrawal before age 59 <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#160;1 </sup> &#8260; <font style="font-size:6pt;line-height:8pt;"> 2 </font> , you may be subject to a 10% additional federal tax, unless you satisfy one of the exceptions. The exceptions are different for Qualified Contracts and Non-Qualified Contracts, and are
              also different for IRAs and qualified plans. If the Contract is jointly owned, we send one check payable to both Joint Owners. For Contracts issued before August 24, 2015, or if the Contract has a number starting with GAZ, we tax report both
              Joint Owner's based on the age of the older Joint Owner. For Contracts issued on or after August 24, 2015 that have a number starting with AV, we tax report each Joint Owner individually. <font style="font-style:italic;font-weight:bold;"> Tax
                reporting each Joint Owner individually can create a discrepancy in taxation if only one Joint Owner is under age 59 <sup style="font-style: italic; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#160;1 </sup> &#8260; </font><font style="font-size:6pt;font-style:italic;font-weight:bold;line-height:8pt;"> 2 </font><font style="font-style:italic;font-weight:bold;"> because that Joint Owner will be subject to the 10% additional federal tax. </font></div>
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          <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:0.5pt solid #000000;height:0.5pt;width:100%;">
          <div style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:13pt;margin-bottom:2pt;margin-top:2pt;text-align:center;text-decoration:none;text-transform:none;"> Allianz Index Advantage <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#174; </sup> New York Variable Annuity Prospectus &#8211; April 29, 2022 </div>
        </div>
        <div type="Block" style="margin-top:4pt;width:100%;">
          <div style="color:#000000;font-family:Arial;font-size:9pt;font-style:Normal;font-weight:bold;line-height:12pt;text-align:center;text-decoration:none;text-transform:none;">&#160;61&#160;</div>
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      <div style="clear:both;font-size:12pt;height:0pt;">
      </div>
      <hr style="margin-bottom:0pt;">
      <p style="margin:0pt;page-break-before:always;">&#160;
      </p>
      <div style="width:100%;">
        <a name="xx_d0900dac-c33c-42ef-bf73-3b3047122839_9">
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        <div style="font-family:Arial;font-size:7pt;line-height:10pt;font-weight:Normal;text-transform:none;text-align:left;vertical-align:bottom;padding-bottom:10pt;">
          <a href="#JOB_Index_3271f810-de27-47d4-9b4d-756928a3a1d0_va-toc">
            Table of Contents
          </a>
        </div>
        <div type="Block" style="width:100%;">
          <div style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;line-height:13pt;margin-bottom:2pt;margin-top:2pt;text-align:left;text-decoration:none;text-transform:none;"> Exceptions to the 10% Additional
              Federal Tax for Qualified Contracts </div>
          <div style="text-align:left;">
            <table cellspacing="0" cellpadding="2" id="z3facdd42751d44bf8b24dceb3b3b31df" style="border-collapse:collapse;empty-cells:show;margin-top:1pt;width:100%;">

                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:3.64%;"> 1)
                    </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:96.36%;"> distributions made on or after the date you (or the Annuitant as applicable) reach age 59 <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#8202;1 </sup> &#8260; <font style="font-size:6pt;line-height:8pt;"> 2 </font> ;
                    </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:3.64%;"> 2)
                    </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:96.36%;"> distributions following your death or disability (or the Annuitant as applicable) (for this purpose disability is as defined in Section 72(m)(7) of the Code);
                    </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:3.64%;"> 3)
                    </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:96.36%;"> distributions paid in a series of substantially equal payments made annually (or more frequently) for your life (or life expectancy) or joint lives of you and your designated Beneficiary;
                    </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:3.64%;"> 4)
                    </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:96.36%;"> distributions made to you after separation from service after reaching age 55 (does not apply to IRAs);
                    </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:3.64%;"> 5)
                    </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:96.36%;"> distributions made to you to the extent such distributions do not exceed the amount allowed as a deduction under Code Section 213 for amounts paid during the tax year for medical care;
                    </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:3.64%;"> 6)
                    </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:96.36%;"> distributions made on account of an IRS levy upon the Qualified Contract;
                    </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:3.64%;"> 7)
                    </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:96.36%;"> distributions from an IRA for the purchase of medical insurance (as described in Section 213(d)(1)(D) of the Code) for you and your spouse and dependents if you have received unemployment compensation for at least 12
                      weeks (this exception will no longer apply after you have been re-employed for at least 60 days);
                    </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:3.64%;"> 8)
                    </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:96.36%;"> distributions from an IRA made to you, to the extent such distributions do not exceed your qualified higher education expenses (as defined in Section 72(t)(7) of the Code) for the tax year;
                    </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:3.64%;"> 9)
                    </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:96.36%;"> distributions from an IRA which are qualified first-time homebuyer distributions (as defined in Section 72(t)(8) of the Code);
                    </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:3.64%;"> 10)
                    </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:96.36%;"> distributions made to an alternate Payee pursuant to a qualified domestic relations order (does not apply to an IRA);
                    </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:3.64%;"> 11)
                    </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:96.36%;"> distributions made to a reservist called to active duty after September 11, 2001, for a period in excess of 179 days (or for an indefinite period), from IRAs or amounts attributable to elective deferrals under a 401(k)
                      plan made during such active period; and
                    </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-bottom:0pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:3.64%;"> 12)
                    </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-bottom:0pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;width:96.36%;"> distributions made during the payment period starting on the birth of a child or the finalization of an adoption (up to $5,000).
                    </td>
                </tr>

            </table>
          </div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-bottom:2pt;margin-top:2pt;text-align:left;text-decoration:none;text-transform:none;"> With respect to (12) above,
              a qualified birth or adoption distribution may be repaid in one or more contributions into an IRA or qualified retirement plan (if you are eligible to make a contribution to the qualified retirement plan). The repayment contribution will be
              treated as a rollover into the IRA or qualified retirement plan. </div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;"> With respect to (3) above, if the series of
              substantially equal periodic payments is modified before the later of the Annuitant attaining age 59 <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#160;1 </sup> &#8260; <font style="font-size:6pt;line-height:8pt;"> 2 </font>
              or the close of the five year period that began on the date the first payment was received, then the tax for the year of the modification is increased by the 10% additional federal tax, plus interest for the tax years in which the exception
              was used. A partial withdrawal, partial transfer, or partial rollover taken after a series of substantially equal periodic payments has begun will result in the modification of the series of substantially equal payments and therefore will
              result in the imposition of the 10% additional federal tax and interest for the period as described above. You should obtain competent tax advice before you take any partial withdrawals from your Contract. Adding Purchase Payments to a
              Contract that is making substantially equal periodic payments will also result in a modification of the payments. </div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;"> For 2020 only, the Coronavirus Aid, Relief,
              and Economic Security (CARES) Act, permitted corona-virus related distributions from Qualified Contracts and IRAs up to an aggregate amount of $100,000. This type of distribution was an exception to the 10% federal additional tax. To qualify
              for the distribution, generally you, your spouse, or dependent had to have been diagnosed with the virus, or you had to have been affected economically in certain ways because of the virus. The tax associated with the distributions may be
              paid ratably over three years, beginning with the 2020 tax year. The CARES Act also allows you to recontribute the amount you withdrew to an eligible retirement plan (to which you can make a rollover contribution) in one or more payments
              within three years. </div>
          <div style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;line-height:13pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;"> Exceptions to the 10% Additional Federal Tax for
              Non-Qualified Contracts </div>
          <div style="text-align:left;">
            <table cellspacing="0" cellpadding="2" id="zd2a7f50d3a89477ba419d10ef3acf220" style="border-collapse:collapse;empty-cells:show;margin-top:0pt;width:100%;">

                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:3.64%;"> 1)
                    </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:96.36%;"> paid on or after you reach age 59 <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#8202;1 </sup> &#8260; <font style="font-size:6pt;line-height:8pt;"> 2 </font> ;
                    </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:3.64%;"> 2)
                    </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:96.36%;"> paid after you die;
                    </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:3.64%;"> 3)
                    </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:96.36%;"> paid if you become totally disabled (as that term is defined in Section 72(m)(7) of the Code);
                    </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:3.64%;"> 4)
                    </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:96.36%;"> paid in a series of substantially equal payments made annually (or more frequently) for your life (or life expectancy) or joint lives of you and your designated Beneficiary;
                    </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:3.64%;"> 5)
                    </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:96.36%;"> paid as annuity payments under an immediate annuity; or
                    </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-bottom:0pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:3.64%;"> 6)
                    </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-bottom:0pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;width:96.36%;"> that come from Purchase Payments made before August 14, 1982.
                    </td>
                </tr>

            </table>
          </div>
        </div>
        <div type="Block" style="margin-top:4pt;width:100%;">
          <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:0.5pt solid #000000;height:0.5pt;width:100%;">
          <div style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:13pt;margin-bottom:2pt;margin-top:2pt;text-align:center;text-decoration:none;text-transform:none;"> Allianz Index Advantage <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#174; </sup> New York Variable Annuity Prospectus &#8211; April 29, 2022 </div>
        </div>
        <div type="Block" style="margin-top:4pt;width:100%;">
          <div style="color:#000000;font-family:Arial;font-size:9pt;font-style:Normal;font-weight:bold;line-height:12pt;text-align:center;text-decoration:none;text-transform:none;">&#160;62&#160;</div>
        </div>
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      <div style="clear:both;font-size:12pt;height:0pt;">
      </div>
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      <p style="margin:0pt;page-break-before:always;">&#160;
      </p>
      <div style="width:100%;">
        <a name="xx_d0900dac-c33c-42ef-bf73-3b3047122839_10">
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          <a href="#JOB_Index_3271f810-de27-47d4-9b4d-756928a3a1d0_va-toc">
            Table of Contents
          </a>
        </div>
        <div type="Block" style="width:100%;">
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-bottom:2pt;margin-top:2pt;text-align:left;text-decoration:none;text-transform:none;"> With respect to (4) above,
              if the series of substantially equal periodic payments is modified before the later of your attaining age 59 <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#160;1 </sup> &#8260; <font style="font-size:6pt;line-height:8pt;"> 2 </font> or the close of the five year period that began on the date the first payment was received, then the tax for the year of the modification is increased by the 10% additional federal
              tax, plus interest, for the tax years in which the exception was used. A partial withdrawal or partial 1035 exchange taken after a series of substantially equal periodic payments has begun will result in the modification of the series of
              substantially equal payments and therefore will result in the imposition of the 10% additional federal tax and interest for the period as described above. Adding Purchase Payments to a Contract that is making substantially equal periodic
              payments will also result in a modification of the payments. </div>
          <div style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:uppercase;"> Non-Qualified Annuity Medicare Tax </div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;"> Distributions from Non-Qualified Contracts are
              considered investment income for purposes of the Medicare tax on investment income. Thus, in certain circumstances, a 3.8% tax may apply to some or all of the taxable portion of distributions (e.g. earnings) to individuals whose income
              exceeds certain threshold amounts ($200,000 for filing single, $250,000 for married filing jointly and $125,000 for married filing separately.) This tax does not apply to distributions from Qualified Contracts. Please consult a tax adviser
              for more information. </div>
          <div style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:uppercase;"> Payments for Financial Adviser Fees </div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;"> Any financial adviser fees that you choose to
              have us pay from this Contract to your Financial Professional or Financial Professional's firm may result in a taxable distribution. <font style="font-style:italic;font-weight:bold;"> Please consult with your Financial Professional
                before requesting us to pay financial adviser fees from this Contract compared to other assets you may have since federal and/or state taxing authorities could determine that such fees should be treated as taxable distributions. </font></div>
          <div style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:uppercase;"> RMDs From Qualified Contracts </div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;"> Distributions from a Qualified Contract must
              commence no later than the required beginning date. For Roth IRAs, no distributions are required during the Owner&#8217;s lifetime. For IRAs other than Roth IRAs, the required beginning date is April 1 of the calendar year following the year in
              which you attain age 72 (or age 70 <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#160;1 </sup> &#8260; <font style="font-size:6pt;line-height:8pt;"> 2 </font> if you reached this age prior to January 1, 2020).
              Under a qualified plan, the required beginning date is generally April 1 of the calendar year following the later of the calendar year in which you reach age 72 (or age 70 <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#160;1 </sup> &#8260; <font style="font-size:6pt;line-height:8pt;"> 2 </font> if you reached this age prior to January 1, 2020) or retire. </div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;"> Generally, RMDs must be made over a period not
              exceeding the life or life expectancy of the individual or the joint lives or life expectancies of the individual and his or her designated Beneficiary. If the RMDs are not made, a 50% additional federal tax is imposed as to the amount not
              distributed. If you are attempting to satisfy these rules through partial withdrawals, the present value of future benefits provided under the Contract may need to be included in calculating the amount required to be distributed. If you
              enroll in our minimum distribution program, we make RMD payments to you that are designed to meet this Contract&#8217;s RMD requirements. </div>
          <div style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:uppercase;"> Diversification </div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;"> Code Section 817(h) and accompanying Treasury
              Department Regulations imposes diversification standards on the assets underlying variable annuity contracts. The Code provides that a variable annuity contract cannot be treated as an annuity contract for any period during which its
              investments are not adequately diversified as required by the United States Treasury Department. If the Contract no longer qualifies as an annuity contract, you would be subject to federal income tax each year with respect to Contract
              earnings accrued. We intend&#160;to manage all available Index Options, and we intend that all Variable Options be managed by the investment advisers so that they comply with these diversification standards. </div>
          <div style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:uppercase;"> Owner Control </div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;"> The Treasury Department has indicated that the
              diversification regulations do not provide guidance regarding the circumstances in which an Owner&#8217;s control of the Separate Account&#8217;s investments may cause the Owner to be treated as the owner of the Separate Account&#8217;s assets, which would
              cause the Contract to lose its favorable tax treatment. In certain circumstances, variable annuity contract owners have been considered for federal income tax purposes to be the owners of the separate account&#8217;s assets, due to their ability to
              exercise investment control over those assets. In this case, the contract owners have been currently taxed on income and gains attributable to the variable account assets. There is little guidance in this area and some of our Contract&#8217;s
              features, such as the flexibility of an Owner to allocate Purchase Payments and transfer amounts among available Variable Options, have not been explicitly addressed in published rulings. While we believe that the Contracts do not give Owners
              investment control over Separate Account assets, we reserve the right to modify the Contracts as necessary to prevent an Owner from being treated as the owner of the Separate Account assets. </div>
        </div>
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          <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:0.5pt solid #000000;height:0.5pt;width:100%;">
          <div style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:13pt;margin-bottom:2pt;margin-top:2pt;text-align:center;text-decoration:none;text-transform:none;"> Allianz Index Advantage <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#174; </sup> New York Variable Annuity Prospectus &#8211; April 29, 2022 </div>
        </div>
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          <div style="color:#000000;font-family:Arial;font-size:9pt;font-style:Normal;font-weight:bold;line-height:12pt;text-align:center;text-decoration:none;text-transform:none;">&#160;63&#160;</div>
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        <a name="xx_d0900dac-c33c-42ef-bf73-3b3047122839_11">
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          <a href="#JOB_Index_3271f810-de27-47d4-9b4d-756928a3a1d0_va-toc">
            Table of Contents
          </a>
        </div>
        <div type="Block" style="width:100%;">
          <div style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;margin-bottom:2pt;margin-top:2pt;text-align:left;text-decoration:none;text-transform:uppercase; "> Taxation of Annuity Payments </div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;"> For Annuity Payments from Non-Qualified
              Contracts, the portion of each payment included in income is determined by an exclusion ratio. The exclusion ratio is a calculation that causes a portion of each Annuity Payment to be non-taxable, based upon the percentage of your Contract
              Value that is from Purchase Payments. We determine the exclusion ratio for Annuity Payments by dividing the investment in the Contract (adjusted for any guaranteed period or refund guarantee) by the expected return anticipated to be paid as
              Annuity Payments (which is determined by Treasury Regulations). We determine the amount of each Annuity Payment that is excluded from income by multiplying the Annuity Payment by the exclusion ratio. Annuity Payments received after the
              investment in the Contract has been recovered (for example, when the total of the amounts excluded from income equal the investment in the Contract) are fully taxable. </div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;"> Generally, Annuity Payments from Qualified
              Contracts are fully taxable unless you have separately tracked and reported any after-tax contributions that you have made. Annuity Payments that are qualified distributions from Roth IRAs are federal income tax free. Owners, Annuitants and
              Beneficiaries under the Contracts should seek competent financial advice about the tax consequences of any distributions. </div>
          <div style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:uppercase;"> Distributions Upon the Owner&#8217;s Death (or
              Annuitant&#8217;s Death If the Owner Is a Non-individual) </div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;"> Section 72(s) of the Code requires that, to be
              treated as an annuity contract for federal income tax purposes, a Non-Qualified Contract must contain certain provisions regarding distributions when an Owner dies. Specifically, Section 72(s) requires that: (a) if an Annuitant dies on or
              after you annuitize the Contract, but before distribution of the entire Contract&#8217;s interest, the entire Contract&#8217;s interest must be distributed at least as rapidly as under the distribution method being used as of the Annuitant&#8217;s date of
              death; and (b) if any Owner (or the Annuitant if the Owner is a non-individual) dies before you annuitize the Contract, the Contract&#8217;s entire interest must be distributed within five years after the Owner&#8217;s date of death. </div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;"> These requirements are satisfied as to any
              part of an Owner&#8217;s interest that is payable to, or for the benefit of, a designated Beneficiary and distributed over the designated Beneficiary&#8217;s life, or over a period not extending beyond that Beneficiary&#8217;s life expectancy, provided that
              distributions begin within one year of the Owner&#8217;s death. The designated Beneficiary refers to an individual designated by the Owner as a Beneficiary and to whom ownership of the Contract passes by reason of death. </div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;"> However, if the designated Beneficiary is the
              deceased Owner&#8217;s surviving spouse, the surviving spouse can continue the Contract as the new Owner. If a couple is married in a jurisdiction (including a foreign country) that recognizes same-sex marriage, that marriage will be recognized for
              all federal tax purposes regardless of the law in the jurisdiction where they reside. However, the IRS did not recognize civil unions and registered domestic partnerships as marriages for federal tax purposes. Depending on the state in which
              your Contract is issued, we may offer certain spousal benefits to same-sex civil union couples, domestic partners or spouses. You should be aware, however, that, if state law does not recognize the civil union or registered domestic
              partnership as a marriage, we cannot permit the surviving partner/spouse to continue the Contract within the meaning of the federal tax law. </div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;"> Same-sex civil union couples, domestic
              partners and spouses should contact their financial professional and a qualified tax adviser regarding their personal tax situation, the implications of any Contract benefits based on a spousal relationship, and their partner&#8217;s/spouse&#8217;s
              rights and benefits under the Contract. </div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;"> Non-Qualified Contracts contain provisions
              that are intended to comply with these Code requirements. </div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;"> Upon death of an Owner of a Qualified
              Contract, the Setting Every Community Up for Retirement (SECURE) Act (contained within the Further Consolidated Appropriations Act enacted December 20, 2019) made significant changes to the payment options available to Beneficiaries of Owners
              who die on or after January 1, 2020. The rules discussed below reference IRA Contracts, but similar rules also apply to qualified retirement plans. With some exceptions, IRA Beneficiaries must receive their entire death benefit by December 31
              following the tenth anniversary of the IRA Owner&#8217;s death. </div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;"> The payments options for IRA Beneficiaries
              differ depending on several factors, including whether a Beneficiary is an Eligible Designated Beneficiary (EDB). An EDB includes any Beneficiary of the deceased IRA Owner who at time of death is: 1) the surviving spouse, 2) not more than ten
              years younger than the IRA Owner, 3) a minor child of the IRA Owner, 4) chronically ill, or 5) disabled. EDB status is determined at the IRA Owner&#8217;s death. </div>
        </div>
        <div type="Block" style="margin-top:7pt;width:100%;">
          <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:0.5pt solid #000000;height:0.5pt;width:100%;">
          <div style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:13pt;margin-bottom:2pt;margin-top:2pt;text-align:center;text-decoration:none;text-transform:none;"> Allianz Index Advantage <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#174; </sup> New York Variable Annuity Prospectus &#8211; April 29, 2022 </div>
        </div>
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          <div style="color:#000000;font-family:Arial;font-size:9pt;font-style:Normal;font-weight:bold;line-height:12pt;text-align:center;text-decoration:none;text-transform:none;">&#160;64&#160;</div>
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          <a href="#JOB_Index_3271f810-de27-47d4-9b4d-756928a3a1d0_va-toc">
            Table of Contents
          </a>
        </div>
        <div type="Block" style="width:100%;">
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-bottom:2pt;margin-top:2pt;text-align:left;text-decoration:none;text-transform:none;"> If you are an EDB, then you
              can begin RMD payments based on your single life expectancy (&#8220;stretch payments&#8221;) in the year following the deceased Owner&#8217;s death. You must begin to receive these RMD payments by December 31 of the year following the deceased Owner&#8217;s death
              (but see the exception for a spouse beneficiary below). If you are an EDB that elected to receive payments over your life expectancy, once you die, then your beneficiary must receive their entire death benefit by December 31 following the
              tenth anniversary of your death. </div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;"> For a minor child Beneficiary, the payments
              based on life expectancy may continue only until the minor child reaches the age of majority (age 18 or the age specified in Treasury Regulations). The minor child Beneficiary must receive their entire death benefit by December 31 following
              the tenth anniversary of reaching the age of majority. </div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;"> If you were the spouse Beneficiary of the
              deceased Owner&#8217;s IRA Contract and your spouse had not yet reached the date at which he/she was required to begin receiving RMD payments (treating a Roth IRA as a traditional IRA for this purpose only), then you can wait to begin receiving RMD
              payments until the year that your spouse would have reached age 72. Alternatively, if the deceased Owner had already reached the date at which he/she was required to begin receiving RMD payments, you must begin to receive these RMD payments
              by December 31 of the year following the deceased Owner&#8217;s death. </div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;"> If you are a designated Beneficiary (generally
              an individual), but are not an EDB, the entire death benefit must be distributed by December 31 after the tenth anniversary of the IRA Owner&#8217;s death. If you die before the end of the ten-year period and the entire death benefit has not been
              distributed, your beneficiary must receive the entire death benefit by the same date you would have been required to receive the death benefit. </div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;"> If the Beneficiary of the IRA Contract is a
              trust, current Treasury Regulations provide &#8220;see-through&#8221; treatment for trusts that meet certain requirements. If such treatment applies, the beneficiaries of the trust, rather than the trust itself will be treated as having been designated
              as beneficiaries of the IRA Contract for purposes of determining the distribution period for RMD payments. Due to the changes made by SECURE, there is uncertainty regarding which distribution options are available when a trust is the
              Beneficiary of an IRA Contract. Clarification of situations involving trust Beneficiaries is expected to be provided when the Treasury Department releases applicable regulations. Individuals are encouraged to seek guidance from their own tax
              professional or legal counsel to determine how these new rules apply to their particular situation. </div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;"> If the IRA Beneficiary is not a &#8220;designated
              beneficiary&#8221; (e.g., beneficiary is an estate, charity, or a trust that does not meet the requirements for &#8220;see-through&#8221; treatment), then the payment options are unchanged by the SECURE Act. If the IRA Owner had not yet reached the date at
              which he/she was required to begin receiving RMD payments (treating a Roth IRA as a traditional IRA for this purpose only), then these IRA Beneficiaries must receive their entire death benefit by December 31 following the fifth anniversary of
              the IRA Owner&#8217;s death. Alternatively, if the deceased Owner had already reached the date at which he/she was required to begin receiving RMD payments, these IRA Beneficiaries can begin RMD payments based on the single life expectancy of the
              Owner in the year of the deceased Owner&#8217;s death, reduced by one. These Beneficiaries must begin to receive these RMD payments by December 31 of the year following the deceased Owner&#8217;s death. </div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;"> The SECURE Act impacts situations when the IRA
              Owner died before January 1, 2020 and the Beneficiary had elected stretch payments. In this situation, the stretch payments can continue to the Beneficiary, but once that Beneficiary dies, the successor beneficiary must receive any remaining
              death benefit by December 31 following the tenth anniversary of the original Beneficiary&#8217;s death. </div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;"> The SECURE Act may limit the annuitization
              options that a Beneficiary may elect at the IRA Owner&#8217;s death to comply with the new death benefit payment rules. Also, if an IRA Owner elected an annuitization option and then dies, action may be needed by the Beneficiary if any remaining
              Annuity Payments do not comply with the new death benefit payment rules for a Beneficiary. </div>
          <div style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:uppercase;">Tax-Free Section 1035 Exchanges</div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-bottom:2pt;margin-top:2pt;text-align:left;text-decoration:none;text-transform:none;"> Subject to certain
              restrictions, you can make a &#8220;tax-free&#8221; exchange under Section 1035 of the Code for all or a portion of one non-qualified annuity contract for another, or all of a life insurance policy for a non-qualified annuity contract. If you perform a
              partial 1035 exchange, please be aware that no distributions or withdrawals can occur from the old or new annuity contract within 180 days of the partial exchange, unless you qualify for an exception to this rule. IRS guidance also provides
              that certain partial exchanges may not qualify as tax-free exchanges. You should consult a tax adviser to discuss the potential tax effects before making a 1035 exchange. </div>
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          <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:0.5pt solid #000000;height:0.5pt;width:100%;">
          <div style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:13pt;margin-bottom:2pt;margin-top:2pt;text-align:center;text-decoration:none;text-transform:none;"> Allianz Index Advantage <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#174; </sup> New York Variable Annuity Prospectus &#8211; April 29, 2022 </div>
        </div>
        <div type="Block" style="margin-top:4pt;width:100%;">
          <div style="color:#000000;font-family:Arial;font-size:9pt;font-style:Normal;font-weight:bold;line-height:12pt;text-align:center;text-decoration:none;text-transform:none;">&#160;65&#160;</div>
        </div>
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      <div style="clear:both;font-size:12pt;height:0pt;">
      </div>
      <hr style="margin-bottom:0pt;">
      <p style="margin:0pt;page-break-before:always;">&#160;
      </p>
      <div style="width:100%;">
        <a name="xx_d0900dac-c33c-42ef-bf73-3b3047122839_13">
        </a>
        <div style="font-family:Arial;font-size:7pt;line-height:10pt;font-weight:Normal;text-transform:none;text-align:left;vertical-align:bottom;padding-bottom:10pt;">
          <a href="#JOB_Index_3271f810-de27-47d4-9b4d-756928a3a1d0_va-toc">
            Table of Contents
          </a>
        </div>
        <div type="Block" style="width:100%;">
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-bottom:2pt;margin-top:2pt;text-align:left;text-decoration:none;text-transform:none;"> Before making an exchange,
              you should compare both contracts carefully. Remember that if you exchange a life insurance policy or annuity contract for the Contract described in this prospectus: </div>
          <div style="text-align:left;">
            <table cellspacing="0" cellpadding="2" id="zed214ddefd8f489ca02c2834828794bc" style="border-collapse:collapse;empty-cells:show;margin-top:2pt;width:100%;">

                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;"> &#8226;
                    </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;"> you might have to pay a withdrawal charge on your previous contract,
                    </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-bottom:0pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:2.83%;"> &#8226;
                    </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-bottom:0pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;width:97.17%;"> there is a new withdrawal charge period for this Contract,
                    </td>
                </tr>

            </table>
          </div>
          <div style="text-align:left;">
            <table cellspacing="0" cellpadding="0" id="zd46c426dc30d49488ea511b0ff5f6375" style="border-collapse:collapse;empty-cells:show;margin-top:2pt;width:100%;">

                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;"> &#8226;
                    </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;"> other charges under this Contract may be higher (or lower),
                    </td>
                </tr>

            </table>
          </div>
          <div style="text-align:left;">
            <table cellspacing="0" cellpadding="2" id="ze1bf11641008487b9b8092f7c5d1dab8" style="border-collapse:collapse;empty-cells:show;margin-top:3pt;width:100%;">

                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;">&#8226;
                  </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;">the benefits may be different, and
                  </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-bottom:0pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:2.83%;">&#8226;
                  </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-bottom:0pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;width:97.17%;">you no longer have access to any benefits from your previous contract.
                  </td>
                </tr>

            </table>
          </div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:9pt;text-align:left;text-decoration:none;text-transform:none;">If the exchange does not qualify for Section 1035
            treatment, you also may have to pay federal income tax, including a possible additional federal tax, on the exchange. You should not exchange an existing life insurance policy or another annuity contract for this Contract unless you determine
            the exchange is in your best interest and not just better for the person selling you the Contract&#160;who generally earns a commission on each sale.</div>
          <div style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:uppercase;"> Multiple Non-Qualified Contracts Purchased In
              the Same Year By the Same Owner </div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;"> Code Section 72(e)(12) provides that multiple
              Non-Qualified deferred annuity contracts issued within the same calendar year to the same owner by one company or its affiliates are treated as one annuity contract for purposes of determining a distribution&#8217;s tax consequences. This treatment
              may result in adverse tax consequences, including more rapid taxation of distributions from combined contracts. For purposes of this rule, contracts received in a Section 1035 exchange are considered issued in the year of the exchange. You
              should consult a tax adviser before purchasing more than one Non-Qualified Contract in any calendar year period. </div>
          <div style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:uppercase;"> Assignments, Pledges and Gratuitous Transfers </div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;"> Any assignment or pledge (or agreement to
              assign or pledge) the Contract Value is treated for federal income tax purposes as a full withdrawal. The Contract will not qualify for tax deferral while the assignment or pledge is effective. Qualified Contracts generally cannot be
              assigned, pledged, or transferred to another individual. For Non-Qualified Contracts, the Contract&#8217;s cost basis is increased by the amount includible as income with respect to such amount or portion, though it is not affected by any other
              aspect of the assignment or pledge (including its release). If an Owner transfers a Non-Qualified Contract (an ownership change) without adequate consideration to a person other than their spouse (or to a former spouse incident to divorce),
              the Owner is taxed on the difference between his or her Contract Value and the Contract&#8217;s cost basis at the time of transfer. In such case, the transferee&#8217;s investment in the Contract is increased to reflect the increase in the transferor&#8217;s
              income. An Owner should consult a tax adviser before requesting an assignment, transfer, or pledge. </div>
          <div style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:uppercase;"> Income Tax Withholding </div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;"> Any part of a distribution that is taxable to
              the Owner or Beneficiary is subject to federal and/or state income tax withholding. Generally, we withhold amounts from Annuity Payments at the same rate as wages, and we withhold 10% from non-periodic payments, such as withdrawals. However,
              in most cases, you may elect not to have taxes withheld or to have withholding done at a different rate. </div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;"> Certain distributions from retirement plans
              qualified under Code Section 401 that are not directly rolled over to another eligible retirement plan or IRA, are subject to a mandatory 20% federal income tax withholding. The 20% withholding requirement generally does not apply to: </div>
          <div style="text-align:left;">
            <table cellspacing="0" cellpadding="2" id="z6fe23f9ed06e41cd9178e89126b3b20b" style="border-collapse:collapse;empty-cells:show;margin-top:2pt;width:100%;">

                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;"> &#8226;
                    </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;"> a series of substantially equal payments made at least annually for the life or life expectancy of the participant or joint and last survivor expectancy of the participant and a designated Beneficiary, or for a
                      specified period of ten years or more; or
                    </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;"> &#8226;
                    </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;"> RMDs; or
                    </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;"> &#8226;
                    </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;"> any part of a distribution not included in gross income (for example, returns of after-tax contributions); or
                    </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-bottom:0pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:2.83%;"> &#8226;
                    </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-bottom:0pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;width:97.17%;"> hardship withdrawals.
                    </td>
                </tr>

            </table>
          </div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-bottom:2pt;margin-top:2pt;text-align:left;text-decoration:none;text-transform:none;"> Plan participants should
              consult a tax adviser regarding income tax withholding requirements. </div>
        </div>
        <div type="Block" style="margin-top:64pt;width:100%;">
          <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:0.5pt solid #000000;height:0.5pt;width:100%;">
          <div style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:13pt;margin-bottom:2pt;margin-top:2pt;text-align:center;text-decoration:none;text-transform:none;"> Allianz Index Advantage <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#174; </sup> New York Variable Annuity Prospectus &#8211; April 29, 2022 </div>
        </div>
        <div type="Block" style="margin-top:4pt;width:100%;">
          <div style="color:#000000;font-family:Arial;font-size:9pt;font-style:Normal;font-weight:bold;line-height:12pt;text-align:center;text-decoration:none;text-transform:none;">&#160;66&#160;</div>
        </div>
      </div>
      <div style="clear:both;font-size:12pt;height:0pt;">
      </div>
      <hr style="margin-bottom:0pt;">
      <p style="margin:0pt;page-break-before:always;">&#160;
      </p>
      <div style="width:100%;">
        <a name="xx_d0900dac-c33c-42ef-bf73-3b3047122839_14">
        </a>
        <div style="font-family:Arial;font-size:7pt;line-height:10pt;font-weight:Normal;text-transform:none;text-align:left;vertical-align:bottom;padding-bottom:10pt;">
          <a href="#JOB_Index_3271f810-de27-47d4-9b4d-756928a3a1d0_va-toc">
            Table of Contents
          </a>
        </div>
        <div type="Block" style="width:100%;">
          <div style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;margin-bottom:2pt;margin-top:2pt;text-align:left;text-decoration:none;text-transform:uppercase;"> Federal Estate Taxes </div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;"> While no attempt is being made to discuss the
              Contract&#8217;s federal estate tax implications, an Owner should keep in mind the annuity contract&#8217;s value payable to a Beneficiary upon the Owner&#8217;s death is included in the deceased Owner&#8217;s gross estate. Depending on the annuity contract, the
              annuity&#8217;s value included in the gross estate may be the value of the lump sum payment payable to the designated Beneficiary, or the actuarial value of the payments to be received by the Beneficiary. Consult an estate planning adviser for more
              information. </div>
          <div style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:uppercase;"> Generation-Skipping Transfer Tax </div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;"> The Code may impose a &#8220;generation-skipping
              transfer tax&#8221; when all or part of an annuity contract is transferred to, or a death benefit is paid to, an individual two or more generations younger than the Owner. Regulations may require us to deduct this tax from your Contract, or from
              any applicable payment, and pay it directly to the IRS. </div>
          <div style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:uppercase;"> Foreign Tax Credits </div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;"> We may benefit from any foreign tax credits
              attributable to taxes paid by certain funds to foreign jurisdictions to the extent permitted under the federal tax law. </div>
          <div style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:uppercase;"> Possible Tax Law Changes </div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;"> Although the likelihood of legislative or
              regulatory changes is uncertain, there is always the possibility that the Contract&#8217;s tax treatment could change. Consult a tax adviser with respect to legislative or regulatory developments and their effect on the Contract. </div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;"> We have the right to modify the Contract in
              response to legislative or regulatory changes that could otherwise diminish the favorable tax treatment that annuity owners currently receive. We make no guarantee regarding the tax status of any Contract and do not intend the above
              discussion as tax advice. </div>
          <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:2pt solid #000000;height:2pt;width:100%;">
          <div style="color:#000000;font-family:Arial;font-size:11pt;font-style:Normal;font-weight:Normal;line-height:13pt;margin-top:5pt;text-align:left;text-decoration:none;text-transform:lowercase;"> 12. <font style="text-transform:uppercase;"> &#160;&#160;Other
                Information </font></div>
          <div style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:uppercase;">The Registered Separate Account</div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;">We established Allianz Life of NY Variable
            Account C (the Separate Account, formerly Preferred Life Variable Account C), as a separate account under New York State insurance law on February 26, 1988. The Separate Account is registered with the SEC as a unit investment trust under the
            Investment Company Act of 1940. The SEC does not supervise our management of the Separate Account.</div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;">The Separate Account holds the Variable Options'
            shares that have been purchased with Contract assets. We keep the Separate Account assets separate from the assets of our general account and other separate accounts, including the non-unitized separate accounts we established in connection
            with the Index Options. The Separate Account is divided into subaccounts, each of which invests exclusively in a single Variable Option.</div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-bottom:2pt;margin-top:2pt;text-align:left;text-decoration:none;text-transform:none;"> We own the assets of the
              Separate Account. Income, gains, and losses credited to, or charged against, the Separate Account reflect the Separate Account&#8217;s own investment experience and not the investment experience of the our other assets. The Separate Account&#8217;s
              assets are insulated, so that the assets cannot be used to pay any of our liabilities, other than those arising from the investment of Contract assets in the Variable Options. </div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;"> If the Separate Account&#8217;s assets exceed the
              required reserves and other liabilities, we may transfer the excess to our general account, to the extent of seed money invested by us or earned fees and expenses. The obligations under the Contracts are obligations of Allianz Life of New
              York. We are obligated to pay all amounts promised to investors under the Contracts. </div>
          <div style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:uppercase;">Our General Account</div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;">Our general account holds all our assets other
            than assets in our separate accounts. We own our general account assets, and, subject to applicable law, have sole investment discretion over them. The assets are subject to our general business operation liabilities and claims of our creditors
            and may lose value. We have not registered our general account as an investment company under the Investment Company Act of 1940.</div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;">Our general account assets fund guarantees
            provided in the Contracts. Contract Value that you apply to Annuity Payments becomes part of our general account.</div>
        </div>
        <div type="Block" style="margin-top:15pt;width:100%;">
          <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:0.5pt solid #000000;height:0.5pt;width:100%;">
          <div style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:13pt;margin-bottom:2pt;margin-top:2pt;text-align:center;text-decoration:none;text-transform:none;"> Allianz Index Advantage <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#174; </sup> New York Variable Annuity Prospectus &#8211; April 29, 2022 </div>
        </div>
        <div type="Block" style="margin-top:4pt;width:100%;">
          <div style="color:#000000;font-family:Arial;font-size:9pt;font-style:Normal;font-weight:bold;line-height:12pt;text-align:center;text-decoration:none;text-transform:none;">&#160;67&#160;</div>
        </div>
      </div>
      <div style="clear:both;font-size:12pt;height:0pt;">
      </div>
      <hr style="margin-bottom:0pt;">
      <p style="margin:0pt;page-break-before:always;">&#160;
      </p>
      <div style="width:100%;">
        <a name="xx_d0900dac-c33c-42ef-bf73-3b3047122839_15">
        </a>
        <div style="font-family:Arial;font-size:7pt;line-height:10pt;font-weight:Normal;text-transform:none;text-align:left;vertical-align:bottom;padding-bottom:10pt;">
          <a href="#JOB_Index_3271f810-de27-47d4-9b4d-756928a3a1d0_va-toc">
            Table of Contents
          </a>
        </div>
        <div type="Block" style="width:100%;">
          <div style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:uppercase;">Our Unregistered Separate Account</div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;">We allocate all assets backing the Index Options
            to an unregistered, non-unitized, non-insulated separate account (Separate Account IANY), which we established under New York Insurance Law solely for the purpose of supporting our obligations to pay Performance Credits associated with the
            Index Options. Separate Account IANY has two subaccounts: Subaccount IABV (which is a book value subaccount) and Subaccount IAMV (which is a market value subaccount).</div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;">Initially, a substantial majority of the
            aggregate assets backing the Index Options are allocated to Subaccount IABV. We hold all other assets that you allocate to the Index Options that are not invested in Subaccount IABV in Subaccount IAMV. Subsequently, there may be significant
            transfer of assets between Subaccount IABV and Subaccount IAMV in response to Index performance during the then-current Index Year. We typically transfer assets between the subaccounts if there is a 10% incremental change in year-to-date Index
            performance. For the Index Performance Strategy this starts at a -10% decrease in the market; for the Index Protection NY Strategy, this starts at a -30% decrease in the market. We monitor year-to-date Index performance daily and change
            allocations daily if needed based on this 10% increment.</div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;">We invest the assets in Subaccount IAMV in
            hedging instruments, including derivative investments such as put and call options, as well as cash and fixed income securities. Like our general account, the assets in Separate Account IANY are subject to our general business operation
            liabilities and the claims of our creditors.</div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;">An Owner who allocates Contract Value to an Index
            Option does not have any interest in or claim on the assets in Separate Account IANY. In addition, neither the Owner nor the Index Options participate in any way in the performance of assets held in Separate Account IANY.</div>
          <div style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:uppercase;">Distribution</div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-bottom:2pt;margin-top:2pt;text-align:left;text-decoration:none;text-transform:none;"> Allianz Life Financial
              Services, LLC (ALFS), a wholly owned subsidiary of Allianz Life Insurance Company of North America, serves as principal underwriter for the Contracts. ALFS is a limited liability company organized in Minnesota, and is located at 5701 Golden
              Hills Drive, Minneapolis, MN 55416. ALFS is registered as a broker-dealer with the SEC under the Securities Exchange Act of 1934, as well as with the securities commissions in the states in which it operates, and is a member of the Financial
              Industry Regulatory Authority (FINRA). ALFS is not a member of Securities Investors Protection Corporation. More information about ALFS is available at finra.org or by calling 1-800-289-9999. You also can obtain an investor brochure from
              FINRA describing its Public Disclosure Program. </div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;">We have entered into a distribution agreement
            with ALFS for the distribution of the Contracts. ALFS also may perform various administrative services on our behalf.</div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;">We may fund ALFS operating and other expenses,
            including:</div>
          <div style="text-align:left;">
            <table cellspacing="0" cellpadding="2" id="z6c30aba71f7643fdb2e9f8d52c834f68" style="border-collapse:collapse;empty-cells:show;margin-top:3pt;width:100%;">

                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;">&#8226;
                  </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; white-space:nowrap;width:97.17%;">overhead,
                  </td>
                </tr>
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                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;">&#8226;
                  </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;">legal fees,
                  </td>
                </tr>
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                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;">&#8226;
                  </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;">accounting fees,
                  </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;">&#8226;
                  </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;">Financial Professional training,
                  </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;">&#8226;
                  </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;">compensation for the ALFS management team, and
                  </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-bottom:0pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:2.83%;">&#8226;
                  </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-bottom:0pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;width:97.17%;">other expenses associated with the Contracts.
                  </td>
                </tr>

            </table>
          </div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:9pt;text-align:left;text-decoration:none;text-transform:none;">Financial Professionals and their managers may
            also be eligible for various benefits, such as production incentive bonuses, insurance benefits, and non-cash compensation items that we may provide jointly with ALFS. Non-cash items include conferences, seminars and trips (including travel,
            lodging and meals in connection therewith), entertainment, awards, merchandise and other similar items.</div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;">ALFS does not itself sell the Contracts on a
            retail basis. Rather, ALFS enters into selling agreements with other broker-dealers registered under the 1934 Act (selling firms) for the sale of the Contracts. We pay sales commissions to the selling firms and their Financial Professionals.
            The maximum commission payable to the selling firms for Contract sales is expected to not exceed 7% of Purchase Payments. Sometimes, we enter into an agreement with a selling firm to pay commissions as a combination of a certain amount of the
            commission at the time of sale and a trail commission which, when totaled, could exceed 7% of Purchase Payments.</div>
        </div>
        <div type="Block" style="margin-top:42pt;width:100%;">
          <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:0.5pt solid #000000;height:0.5pt;width:100%;">
          <div style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:13pt;margin-bottom:2pt;margin-top:2pt;text-align:center;text-decoration:none;text-transform:none;"> Allianz Index Advantage <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#174; </sup> New York Variable Annuity Prospectus &#8211; April 29, 2022 </div>
        </div>
        <div type="Block" style="margin-top:4pt;width:100%;">
          <div style="color:#000000;font-family:Arial;font-size:9pt;font-style:Normal;font-weight:bold;line-height:12pt;text-align:center;text-decoration:none;text-transform:none;">&#160;68&#160;</div>
        </div>
      </div>
      <div style="clear:both;font-size:12pt;height:0pt;">
      </div>
      <hr style="margin-bottom:0pt;">
      <p style="margin:0pt;page-break-before:always;">&#160;
      </p>
      <div style="width:100%;">
        <a name="xx_d0900dac-c33c-42ef-bf73-3b3047122839_16">
        </a>
        <div style="font-family:Arial;font-size:7pt;line-height:10pt;font-weight:Normal;text-transform:none;text-align:left;vertical-align:bottom;padding-bottom:10pt;">
          <a href="#JOB_Index_3271f810-de27-47d4-9b4d-756928a3a1d0_va-toc">
            Table of Contents
          </a>
        </div>
        <div type="Block" style="width:100%;">
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-bottom:2pt;margin-top:2pt;text-align:left;text-decoration:none;text-transform:none;"> The following table shows
              the aggregate dollar amount of underwriting commissions paid to ALFS for each of the Allianz Life of New York&#8217;s last three fiscal years. The underwriter did not retain any part of the commissions. </div>
          <div style="text-align:center;">
            <table cellspacing="0" cellpadding="0" id="z3960b9c634e1475e8f19f06be307c4a7" style="border-collapse:collapse;empty-cells:show;margin-left:auto;margin-right:auto;margin-top:6pt;width:57.22%;">

                <tr style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;line-height:10pt;padding-bottom:3pt;padding-right:6pt;text-align:center;vertical-align:bottom;width:22.36%;"> &#160;
                    </td>
                  <td style="line-height:0pt;padding-bottom:3pt;padding-right:6pt;text-align:center;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;padding-bottom:3pt;padding-left:6pt;padding-right:6pt;text-align:center; text-decoration:none;text-transform:none;vertical-align:bottom;white-space:nowrap;width:23.21%;"> 2019
                    </td>
                  <td style="line-height:0pt;padding-bottom:3pt;padding-right:6pt;text-align:center;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;padding-bottom:3pt;padding-left:6pt;padding-right:6pt;text-align:center; text-decoration:none;text-transform:none;vertical-align:bottom;white-space:nowrap;width:23.21%;"> 2020
                    </td>
                  <td style="line-height:0pt;padding-bottom:3pt;padding-right:6pt;text-align:center;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;padding-bottom:3pt;padding-left:6pt;text-align:center; text-decoration:none;text-transform:none;vertical-align:bottom;white-space:nowrap;width:25.21%;"> 2021
                    </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-bottom:6pt;padding-left:0pt;padding-right:6pt;padding-top:1.88pt;text-align:left; text-decoration:none;text-transform:none;vertical-align:top;width:22.36%;"> Commission paid
                    </td>
                  <td style="line-height:0pt;padding-bottom:6pt;padding-right:6pt;padding-top:1.88pt;text-align:left;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-bottom:6pt;padding-left:6pt;padding-right:6pt;padding-top:1.88pt;text-align:center; text-decoration:none;text-transform:none;vertical-align:top;width:23.21%;"> $ 15,622,668.01
                    </td>
                  <td style="line-height:0pt;padding-bottom:6pt;padding-right:6pt;padding-top:1.88pt;text-align:center;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-bottom:6pt;padding-left:6pt;padding-right:6pt;padding-top:1.88pt;text-align:center; text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:23.21%;"> $&#160;21,548,022.93
                    </td>
                  <td style="line-height:0pt;padding-bottom:6pt;padding-right:6pt;padding-top:1.88pt;text-align:center;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-bottom:6pt;padding-left:6pt;padding-top:1.88pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;width:25.21%;"> $ 37,545,384.80
                    </td>
                </tr>

            </table>
          </div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;">We and/or ALFS may make bonus payments to certain
            selling firms based on aggregate sales of our variable insurance contracts (including this Contract) or persistency standards, or as part of a special promotion. These additional payments are not offered to all selling firms, and the terms of
            any particular agreement governing the payments may vary among selling firms. In some instances, the amount paid may be significant.</div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;">A portion of the payments made to selling firms
            may be passed on to their Financial Professionals. Financial Professionals may receive cash and non-cash compensation and other benefits. Ask your Financial Professional for further information about what they and their firm may receive in
            connection with your purchase of a Contract.</div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;">Commissions paid on the Contract, including other
            incentives or payments, are not charged directly to the Owners or the Separate Account. We intend to recover commissions and other expenses indirectly through fees and expenses imposed under the Contract.</div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;">Broker-dealers and their Financial Professionals
            and managers involved in sales of the Contracts may receive payments from us for administrative and other services that do not directly involve the sale of the Contracts, including payments made for recordkeeping, the recruitment and training
            of personnel, production of promotional literature and similar services. In addition, certain firms and their Financial Professionals may receive compensation for distribution and administrative services when acting in a wholesaling capacity
            and working with retail firms.</div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;">In certain instances, we and/or ALFS may make
            payments to a broker-dealer for inclusion of this Contract in its list of products that it offers for sale.</div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;">We and/or ALFS may pay certain selling firms
            additional marketing support allowances for:</div>
          <div style="text-align:left;">
            <table cellspacing="0" cellpadding="2" id="z158da9ebb392411794adb8b5c2c27085" style="border-collapse:collapse;empty-cells:show;margin-top:2pt;width:100%;">

                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;">&#8226;
                  </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;">marketing services and increased access to their Financial Professionals;
                  </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;">&#8226;
                  </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;">sales promotions relating to the Contracts;
                  </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;">&#8226;
                  </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;">costs associated with sales conferences and educational seminars;
                  </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;">&#8226;
                  </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;">the cost of client meetings and presentations; and
                  </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-bottom:0pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:2.83%;">&#8226;
                  </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-bottom:0pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;width:97.17%;">other sales expenses incurred by them.
                  </td>
                </tr>

            </table>
          </div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:9pt;text-align:left;text-decoration:none;text-transform:none;">We retain substantial discretion in determining
            whether to grant a marketing support payment to a particular broker-dealer firm and the amount of any such payment.</div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;">We may also make payments for marketing and
            wholesaling support to broker-dealer affiliates of Variable Options that are available through the variable annuities we offer.</div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;">Additional information regarding marketing
            support payments can be found in the Distributor section of the Statement of Additional Information.</div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-bottom:2pt;margin-top:2pt;text-align:left;text-decoration:none;text-transform:none;"> Some Financial Professionals
              may have a financial incentive to offer you a new contract in place of the one you already own. You should only exchange your contract if you determine, after comparing the features, fees and risks of both contracts, that it is better for you
              to purchase the new contract rather than continue to own your existing contract. </div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;">The Variable Options may assess a Rule 12b-1 fee.
            These fees are paid to ALFS as consideration for providing distribution and certain other services and incurring certain expenses permitted under the Variable Option&#8217;s plan. These fees typically equal 0.25% of a Variable Option&#8217;s average daily
            net assets.</div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;">In certain instances, an investment adviser
            and/or subadviser (and/or their affiliates) of a Variable Option may make payments for administrative services to ALFS or its affiliates.</div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;">We offer the Contracts to the public on a
            continuous basis. We anticipate continuing to offer the Contracts but reserve the right to discontinue the offering.</div>
          <div style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:uppercase;">Additional Credits for Certain Groups</div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;">We may credit additional amounts to a Contract
            instead of modifying charges because of special circumstances that result in lower sales or administrative expenses or better than expected mortality or persistency experience.</div>
        </div>
        <div type="Block" style="margin-top:4pt;width:100%;">
          <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:0.5pt solid #000000;height:0.5pt;width:100%;">
          <div style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:13pt;margin-bottom:2pt;margin-top:2pt;text-align:center;text-decoration:none;text-transform:none;"> Allianz Index Advantage <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#174; </sup> New York Variable Annuity Prospectus &#8211; April 29, 2022 </div>
        </div>
        <div type="Block" style="margin-top:4pt;width:100%;">
          <div style="color:#000000;font-family:Arial;font-size:9pt;font-style:Normal;font-weight:bold;line-height:12pt;text-align:center;text-decoration:none;text-transform:none;">&#160;69&#160;</div>
        </div>
      </div>
      <div style="clear:both;font-size:12pt;height:0pt;">
      </div>
      <hr style="margin-bottom:0pt;">
      <p style="margin:0pt;page-break-before:always;">&#160;
      </p>
      <div style="width:100%;">
        <a name="xx_d0900dac-c33c-42ef-bf73-3b3047122839_17">
        </a>
        <div style="font-family:Arial;font-size:7pt;line-height:10pt;font-weight:Normal;text-transform:none;text-align:left;vertical-align:bottom;padding-bottom:10pt;">
          <a href="#JOB_Index_3271f810-de27-47d4-9b4d-756928a3a1d0_va-toc">
            Table of Contents
          </a>
        </div>
        <div type="Block" style="width:100%;">
          <div style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:uppercase;">Administration/Allianz Service Center</div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;">The Allianz Service Center performs certain
            administrative services regarding the Contracts and is located at 5701 Golden Hills Drive, Minneapolis, Minnesota. The Service Center mailing address and telephone number are listed at the back of this prospectus. The administrative and routine
            customer services performed by our Service Center include processing and mailing of account statements and other mailings to Owners, responding to Owner correspondence and inquiries. Allianz Life Insurance Company of North America (as service
            provider for the Contracts) also contracts with Tata Consultancy Services (Tata) located at #42(P) &amp; 45(P), Think Campus, Electronic City, Phase II, Bangalore, Karnataka 560100, India, to perform certain administrative services including:</div>
          <div style="text-align:left;">
            <table cellspacing="0" cellpadding="2" id="z43419c44a1c543aea126861e73b61680" style="border-collapse:collapse;empty-cells:show;margin-top:2pt;width:100%;">

                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;">&#8226;
                  </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;">issuance and maintenance of the Contracts,
                  </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;">&#8226;
                  </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;">maintenance of Owner records, and
                  </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-bottom:0pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:2.83%;">&#8226;
                  </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-bottom:0pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;width:97.17%;">routine customer service including:
                  </td>
                </tr>

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          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:9pt;text-align:left;text-decoration:none;text-transform:none;">Services performed by Tata are overseen and
            quality control checked by our Service Center.</div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;">To reduce expenses, only one copy of most
            financial reports and prospectuses, including reports and prospectuses for the Variable Options, may be mailed to your household, even if you or other persons in your household have more than one contract issued by us or our affiliate. Call our
            Service Center at the toll-free telephone number listed at the back of this prospectus if you need additional copies of financial reports, prospectuses, or annual and semiannual reports, or if you would like to receive one copy for each
            contract in future mailings.</div>
          <div style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:uppercase;">Legal Proceedings</div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;">Like other life insurance companies, we from time
            to time are involved in legal proceedings of various kinds, including regulatory proceedings and individual and class action lawsuits. In some legal proceedings involving insurers, substantial damages have been sought and/or material settlement
            payments have been made. Although the outcome of any such proceedings cannot be predicted with certainty, we believe that, at the present time, there are no pending or threatened legal proceedings to which we, the Separate Account, or ALFS is a
            party that are reasonably likely to materially affect the Separate Account, our ability to meet our obligations under the Contracts, or ALFS ability to perform its obligations.</div>
          <div style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:uppercase;">Status Pursuant to Securities Exchange Act of
            1934</div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;">Allianz Life of New York hereby relies on the
            exemption provided by Rule 12h-7 under the Securities Exchange Act of 1934 from the requirement to file reports pursuant to Section 15(d) of that Act.</div>
          <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:2pt solid #000000;height:2pt;width:100%;">
          <div style="color:#000000;font-family:Arial;font-size:11pt;font-style:Normal;font-weight:Normal;line-height:13pt;margin-top:5pt;text-align:left;text-decoration:none;text-transform:lowercase;"> 13. <font style="text-transform:uppercase;"> &#160;&#160;Information
                on Allianz Life of New York </font></div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;">Allianz Life of New York is a stock life
            insurance company organized under the laws of the State of New York on September 21, 1982. Our address is 1633 Broadway, 42nd Floor, New York, NY 10019-7585. Before January 1, 2003, Allianz Life of New York was known as Preferred Life Insurance
            Company of New York. We are a subsidiary of Allianz Life Insurance Company of North America (Allianz Life), which is also a stock life insurance company. Allianz Life is a subsidiary of Allianz of America, Inc. (AZOA), a financial holding
            company. AZOA is a wholly owned subsidiary of Allianz Europe, B.V., which in turn is a wholly owned subsidiary of Allianz SE, which is registered in Munich, Germany. We currently offer registered index-linked annuities and are licensed to do
            direct business in six states, including New York and the District of Columbia.</div>
          <div style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:uppercase;">Directors, Executive Officers and Corporate
            Governance</div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;">BOARD OF DIRECTORS</div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-bottom:2pt;margin-top:2pt;text-align:left;text-decoration:none;text-transform:none;"> The Board currently consists
              of nine members, including our Chair and Chief Executive Officer, our President, our Chief Financial Officer and Treasurer, our Vice President, Appointed Actuary, three independent outside board members,&#160;and two&#160;other non-independent board
              members. Age and positions are provided as of December 31, 2021, except as otherwise noted. </div>
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          <div style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:13pt;margin-bottom:2pt;margin-top:2pt;text-align:center;text-decoration:none;text-transform:none;"> Allianz Index Advantage <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#174; </sup> New York Variable Annuity Prospectus &#8211; April 29, 2022 </div>
        </div>
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          <div style="color:#000000;font-family:Arial;font-size:9pt;font-style:Normal;font-weight:bold;line-height:12pt;text-align:center;text-decoration:none;text-transform:none;">&#160;70&#160;</div>
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          <a href="#JOB_Index_3271f810-de27-47d4-9b4d-756928a3a1d0_va-toc">
            Table of Contents
          </a>
        </div>
        <div type="Block" style="width:100%;">
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;">The Board holds regular semi-annual meetings,
            generally in April and November of each year, and holds special meetings or takes action by unanimous written consent as circumstances warrant. The Board has standing Executive, Audit and Evaluation, Conflict of Interest, and Finance
            Committees, each of which is described in further detail below.</div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;">The current members of our Board are as follows.</div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;margin-bottom:2pt;margin-top:2pt;text-align:left;text-decoration:none;text-transform:none;"> Jasmine M. Jirele <br>

              Chair, Director, and Chief Executive Officer </div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;"> Jasmine M. Jirele, age 44, joined Allianz Life
              in 2018 and currently serves as the Chair of the Board and the Chief Executive Officer of Allianz Life Insurance Company of New York and the Chair of its Executive and Conflict of Interest committees, respectively. Ms. Jirele also serves as
              the President and Chief Executive Officer and Board member of Allianz Life Insurance Company of North America. Ms. Jirele also serves as the Chair of the Board of AZOA Services Corporation, and as the Chair of its Shared Plans Management
              Committee. Ms. Jirele also serves as a Governor of Allianz Individual Insurance Group, LLC, TruChoice Financial Group, LLC, and Allianz Investment Management U.S. LLC, respectively. She also serves as director of Allianz Australia Life
              Insurance Holdings Limited and Allianz Australia Life Insurance Limited. </div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;"> Previously, Ms. Jirele was a Governor of
              Allianz Investment Management LLC from January 1, 2021 to February 15, 2022. Ms. Jirele was also the Senior Vice President, Chief Growth Officer of Allianz Life from October 1, 2018 to September 1, 2021. In that role, Ms. Jirele was
              responsible for the oversight of new business strategy, product innovation, marketing, and corporate communications. Prior to that, Ms. Jirele was the Executive Vice President, Head of Customer Excellence at Wells Fargo Consumer Bank/Consumer
              Auto. Prior to that, Ms. Jirele spent nine years at Allianz Life as the Senior Vice President of Enterprise Operations from 2012 to 2015, Vice President of Market Management and Product Innovation from 2009 to 2012, Director of Executive
              Projects from 2007 to 2009, and Director of Marketing/Communications from 2006 to 2007, respectively. </div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;"> Ms. Jirele brings to the Board extensive
              operations, product innovation, marketing and communications, growth strategy and insurance industry experience. </div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;"> William E. Gaumond <br>

              Director, Chief Financial Officer, and Treasurer </div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;"> William E. Gaumond, age 48, currently serves
              as the Chief Financial Officer and Treasurer, and as a member of the Board of Directors of Allianz Life of New York since January 1, 2016. Mr. Gaumond also serves as Chair of its Finance Committee and as a member of its Executive Committee.
              Mr. Gaumond joined Allianz Life in 2004 and currently serves as the Senior Vice President, Chief Financial Officer and Treasurer, and as a member of its Board of Directors. </div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;"> Mr. Gaumond also serves as the Chief Financial
              Officer of Allianz Foundation for North America, and as a Governor of Allianz Individual Insurance Group, LLC, TruChoice Financial Group, LLC, Allianz Life Financial Services, LLC, Allianz Investment Management U.S. LLC, and Allianz Strategic
              Investments, LLC, respectively. Mr. Gaumond also serves as a Director and President of Allianz Fund Investments, Inc., AZL PF Investments, Inc., and Dresdner Kleinwort Pfandbriefe Investments II, Inc., respectively. Mr. Gaumond is also a
              Director of Questar Agency, Inc., Questar Capital Corporation, Yorktown Financial Companies, Inc., Allianz of America, Inc., Allianz Real Estate of America LLC, and Allianz Technology of America, Inc., and PFP Holdings, Inc., respectively.
              Mr. Gaumond is also a Director and the President of AZOA Services Corporation. Mr. Gaumond also serves as a Director and the Chief Financial Officer and Treasurer of Allianz Finance Corporation. Mr. Gaumond previously served as a Director of
              Questar Asset Management, Inc. from January 2016 to September 2021. Mr. Gaumond is responsible for all finance and risk management functions, with oversight of the controller, financial planning, treasury, and corporate risk management areas. </div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;">Mr. Gaumond brings to the Board extensive
            financial services, investment, and insurance industry experience, including serving as Chief Financial Officer and Treasurer of Allianz Life and Allianz Life of New York.</div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;">Eric J. Thomes<br>
            Director and President</div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-bottom:2pt;margin-top:2pt;text-align:left;text-decoration:none;text-transform:none;"> Eric J. Thomes, age 49,
              joined Allianz Life of New York on April 1, 2019, and currently serves as the President and as a member of the Board of Directors. Mr. Thomes also serves as the Senior Vice President, Chief Distribution Officer of Allianz Life. Mr. Thomes
              also serves as a Governor, and as the Chief Executive Officer and Chief Manager of Allianz Life Financial Services, LLC. Mr. Thomes also serves as a Governor of Allianz Individual Insurance Group, LLC, and TruChoice Financial Group, LLC,
              respectively. Mr. Thomes also serves as the Chair and as a Director of Yorktown </div>
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          <div style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:13pt;margin-bottom:2pt;margin-top:2pt;text-align:center;text-decoration:none;text-transform:none;"> Allianz Index Advantage <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#174; </sup> New York Variable Annuity Prospectus &#8211; April 29, 2022 </div>
        </div>
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          <a href="#JOB_Index_3271f810-de27-47d4-9b4d-756928a3a1d0_va-toc">
            Table of Contents
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        <div type="Block" style="width:100%;">
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-bottom:2pt;margin-top:2pt;text-align:left;text-decoration:none;text-transform:none; "> Financial Companies, Inc., Questar Agency, Inc. and Questar Capital Corporation, respectively. Mr. Thomes is responsible for the development, design and implementation of Allianz Life&#8217;s and Allianz Life of New York&#8217;s sales and distribution
              strategies. Prior to his current roles, Mr. Thomes served as the Field Senior Vice President, FMO Sales from 2009 to 2019. He also served as the President of Allianz Individual Insurance Group, LLC from 2005 to 2018 and as a Director of
              Questar Asset Management, Inc. from April 2019 to September 2021, respectively. </div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;">Mr. Thomes brings to the Board extensive
            financial services and insurance industry experience.</div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;">Steven J. Thiel<br>
            Director and Vice President, Appointed Actuary</div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-bottom:2pt;margin-top:2pt;text-align:left;text-decoration:none;text-transform:none;"> Steven J. Thiel, age 51,
              joined Allianz Life of New York&#8217;s Board of Directors on November 13, 2012 and is the Vice President, Appointed Actuary and is also a member of its Finance Committee. Mr. Thiel also serves as the Vice President, Actuarial Financial Reporting
              and Analysis of Allianz Life. Mr. Thiel is a Director and the President and Chief Executive Officer of Allianz Life Insurance Company of Missouri. Mr. Thiel joined Allianz Life in 2008. Mr. Thiel previously served as the Appointed Actuary of
              Allianz Life and Annuity Company from 2012 to 2017 and as a Director and the President and Chief Executive Officer of Allianz Annuity Company of Missouri from 2012 to 2019. Mr. Thiel leads a team responsible for accurate and timely reporting
              of the actuarial balances for Allianz Life and Allianz Life of New York. He is accountable for analyzing aspects of the Company&#8217;s financial performance and delivering key projects that drive financial strength and stability. </div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;">Mr. Thiel brings to the Board extensive
            experience in actuarial and financial performance matters.</div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;">Ronald M. Clark<br>
            Director</div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-bottom:2pt;margin-top:2pt;text-align:left;text-decoration:none;text-transform:none;"> Ronald M. Clark, age 74,
              joined Allianz Life of New York&#8217;s Board of Directors on March 31, 2013, and is a member of its Audit and Evaluation Committee and its Finance Committee. Mr. Clark also serves as a Director and Audit Committee member of Allianz Reinsurance
              America, Inc. Mr. Clark also serves as a Director of Manitex International, Inc., a public company, as the Chair of its Compensation Committee, and as a member of its Audit Committee. Mr. Clark has over 40 years of experience in investments,
              having served as the President of Allianz Investment Corporation from 1980 to 1990, the Chief Operating Officer of Allianz of America, Inc. (&#8220;AZOA&#8221;) from 1990 to 2001, the Chief Investment Officer of AZOA from 2002 to 2011, and as a Director
              of Fireman&#8217;s Fund Insurance Company from 2014 to 2015. Mr. Clark previously served as a Director of Allianz Life and as the Chair of its Nomination, Evaluation and Compensation Committee, and as a member of its Audit and Executive Committees
              from 2014 to 2020. </div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;">Mr. Clark brings to the Board extensive
            experience in the financial services and insurance industries, as well as extensive experience with investment matters.</div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;">Martha Clark Goss<br>
            Director</div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-bottom:2pt;margin-top:2pt;text-align:left;text-decoration:none;text-transform:none;"> Martha Clark Goss, age 72,
              joined Allianz Life of New York&#8217;s Board of Directors on October 15, 2005, and is the Chair of its Audit and Evaluation Committee, and a member of its Conflict of Interest Committee. Ms. Goss has more than 40 years of executive experience,
              primarily in finance and investments and risk management. Since 1992, she has served on a number of public and private company boards, has provided independent consulting services to various companies and serves as an instructor for executive
              leadership training for Deloitte LLP. Ms. Goss currently serves as a director of American Water Works Company, Inc. and Neuberger Berman Mutual Funds. Ms. Goss brings to the Board extensive experience in the financial services industry as
              well as expertise on corporate governance and risk management matters. The Board also benefits from her perspective as a current and former director of other companies. </div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;">Lorraine Lods<br>
            Director</div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-bottom:2pt;margin-top:2pt;text-align:left;text-decoration:none;text-transform:none; "> Lorraine Lods, age 53, joined Allianz Life of New York&#8217;s Board of Directors on October 1, 2018. Ms. Lods has over 30 years of insurance and financial service experience. Ms. Lods currently serves as Regional Vice President of Retirement
              Consultant for Allianz Life Financial Services, LLC covering the New York City-Long Island Territory since 2009. Ms. Lods brings to the Board extensive experience in the insurance industry as well as extensive experience in wholesaling. </div>
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          <div style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:13pt;margin-bottom:2pt;margin-top:2pt;text-align:center;text-decoration:none;text-transform:none;"> Allianz Index Advantage <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#174; </sup> New York Variable Annuity Prospectus &#8211; April 29, 2022 </div>
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          <a href="#JOB_Index_3271f810-de27-47d4-9b4d-756928a3a1d0_va-toc">
            Table of Contents
          </a>
        </div>
        <div type="Block" style="width:100%;">
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;">Gary A. Smith<br>
            Director</div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-bottom:2pt;margin-top:2pt;text-align:left;text-decoration:none;text-transform:none;"> Gary A. Smith, age 62,
              joined Allianz Life of New York&#8217;s Board of Directors on May 10, 2005. Mr. Smith is Co-Founder and Senior Partner of Ivy Planning Group (Ivy), a 30-year-old management consulting and training company specializing in strategy, diversity,
              leadership and change management. Mr. Smith has over 30 years of experience in strategy, technology, management consulting and executive coaching to large private sector companies and government organizations. Mr. Smith has successfully
              developed and implemented strategies, led teams, and served the needs of a wide spectrum of clients, sharing best practices in management consulting in multiple venues. Mr. Smith brings to the Board extensive experience in management
              consulting and diversity initiatives. </div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;">Kevin E. Walker<br>
            Director</div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-bottom:2pt;margin-top:2pt;text-align:left;text-decoration:none;text-transform:none;"> Kevin E. Walker, age 59,
              joined Allianz Life of New York&#8217;s Board of Directors on October 1, 2018, and is a member of its Audit and Evaluation Committee and its Executive Committee. Mr. Walker also serves on Allianz Life&#8217;s Board of Directors since May 23, 2017. Mr.
              Walker serves as the Chair and Director of Allianz Reinsurance America, Inc., and is a member of its Audit Committee since January 1, 2017. Mr. Walker has over 30 years of insurance and financial services experience. Mr. Walker served at
              various Allianz affiliates throughout his career, most recently as the President and Chief Executive Officer of Allianz Reinsurance America, Inc. from 2015 to 2016. Mr. Walker has also served as a director and officer for several other
              Allianz affiliates. </div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;">Mr. Walker brings to the Board extensive
            experience in the insurance industry, as well as extensive experience in finance and operations.</div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;">EXECUTIVE OFFICERS</div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-bottom:2pt;margin-top:2pt;text-align:left;text-decoration:none;text-transform:none;"> The current executive
              officers (other than Ms. Jirele and Messrs. Gaumond, Thiel and Thomes) are as follows. Age and positions are provided as of December 31, 2021, except as otherwise noted. </div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;">Gretchen Cepek<br>
            Chief Legal Officer and Secretary</div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-bottom:2pt;margin-top:2pt;text-align:left;text-decoration:none;text-transform:none; "> Gretchen Cepek, age 53, joined Allianz Life of New York on February 17, 2012 and currently serves as the Chief Legal Officer and Secretary and as a member of its Conflict of Interest Committee. Ms. Cepek is responsible for the legal,
              ethics and compliance departments as well as government relations and the special investigations unit. Ms. Cepek also serves as the Senior Vice President, General Counsel and Secretary of Allianz Life and as the General Counsel and Secretary
              of AZOA Services Corporation. Previously, Ms. Cepek served as the Secretary for Allianz Life and Annuity Company from 2012 to 2017. Ms. Cepek received her J.D. from Valparaiso University School of Law in 1993. </div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;">Todd M. Hedtke<br>
            Chief Investment Officer</div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-bottom:2pt;margin-top:2pt;text-align:left;text-decoration:none;text-transform:none;"> Todd M. Hedtke, age 49,
              joined Allianz Life of New York in 2012 and currently serves as the Chief Investment Officer since August 21, 2015. He also currently serves as the Senior Vice President, Chief Investment Officer of Allianz Life and the Chief Investment
              Officer of Allianz Life Insurance Company of Missouri, respectively. Mr. Hedtke is a Director and the President of Allianz Finance Corporation, and a Director and Vice President and Treasurer of Allianz Fund Investments Inc., AZL PF
              Investments Inc., and Dresdner Kleinwort Pfandbriefe Investments II Inc., respectively. Mr. Hedtke also serves as a Governor and Chief Executive Officer of Allianz Investment Management LLC, Allianz Investment Management U.S. LLC, and Allianz
              Strategic Investments, LLC, respectively, and as the Chair of the Benefit Plans Investment Committee for AZOA Services Corporation. Mr. Hedtke leads the investment management, liquidity planning, hedging, and trading functions at Allianz
              Life. Mr. Hedtke is also a member of the global Allianz Investment Management Board, which serves the Allianz Group of insurance companies. Prior to his current roles, Mr. Hedtke spent 15 years in a number of investment-related positions at
              Allianz Life and its affiliates, including as a Director and Chief Investment Officer of Allianz Life and Annuity Company from 2015 to 2017 and as the Chief Investment Officer of Allianz Annuity Company of Missouri from 2015 to 2019,
              respectively. </div>
        </div>
        <div type="Block" style="margin-top:44pt;width:100%;">
          <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:0.5pt solid #000000;height:0.5pt;width:100%;">
          <div style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:13pt;margin-bottom:2pt;margin-top:2pt;text-align:center;text-decoration:none;text-transform:none;"> Allianz Index Advantage <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#174; </sup> New York Variable Annuity Prospectus &#8211; April 29, 2022 </div>
        </div>
        <div type="Block" style="margin-top:4pt;width:100%;">
          <div style="color:#000000;font-family:Arial;font-size:9pt;font-style:Normal;font-weight:bold;line-height:12pt;text-align:center;text-decoration:none;text-transform:none;">&#160;73&#160;</div>
        </div>
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      <div style="clear:both;font-size:12pt;height:0pt;">
      </div>
      <hr style="margin-bottom:0pt;">
      <p style="margin:0pt;page-break-before:always;">&#160;
      </p>
      <div style="width:100%;">
        <a name="xx_d0900dac-c33c-42ef-bf73-3b3047122839_21">
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          <a href="#JOB_Index_3271f810-de27-47d4-9b4d-756928a3a1d0_va-toc">
            Table of Contents
          </a>
        </div>
        <div type="Block" style="width:100%;">
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;text-align:left;text-decoration:none;text-transform:none;">Neil H. McKay<br>
            Chief Actuary</div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-bottom:2pt;margin-top:2pt;text-align:left;text-decoration:none;text-transform:none;"> Neil H. McKay, age 60,
              joined Allianz Life of New York in 1999 and currently serves as the Chief Actuary since April 8, 2014. Mr. McKay also currently serves as the Senior Vice President, Chief Actuary of Allianz Life. Previously, Mr. McKay served as a Director and
              Chief Actuary of Allianz Life and Annuity Company from 2007 to 2017. Mr. McKay is responsible for all of the actuarial functions of Allianz Life of New York and Allianz Life, including the actuarial assumptions underlying its products and the
              rate setting associated with existing and new products. </div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;">CORPORATE GOVERNANCE</div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;">Committees of the Board</div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-bottom:2pt;margin-top:2pt;text-align:left;text-decoration:none;text-transform:none;"> The Executive Committee of
              the Board (&#8220;Executive Committee&#8221;) is currently composed of Ms. Jirele (Chair) (who replaced Mr. White as Chair as of September 1, 2021), and Messrs. Gaumond and Walker. The function of the Executive Committee is to exercise the authority of
              the Board between meetings of the Board, with the exceptions set forth in Allianz Life of New York&#8217;s By-Laws. The Executive Committee&#160;did not meet in 2021. </div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;"> The Audit and Evaluation Committee of the
              Board is currently composed of Ms. Goss (Chair) and Messrs. Clark and Walker. The Audit and Evaluation Committee is responsible for recommending the selection of independent certified public accountants, reviewing Allianz Life of New York&#8217;s
              financial condition and the scope and results of the independent audit and any internal audit, nominating candidates for director, evaluating the performance of principal officers deemed by the Audit and Evaluation Committee to be principal
              officers of Allianz Life of New York and recommending to the Board of Directors the selection and compensation of such principal officers and any plan to issue options to its officers and employees for the purchase of shares of stock. The
              Audit and Evaluation Committee met two times in 2021. </div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;"> The Conflict of Interest Committee of the
              Board is currently composed of Ms. Jirele (Chair) (who replaced Mr. White as Chair as of September 1, 2021), and Mss. Cepek and Goss. The Conflict of Interest Committee assists Allianz Life of New York in addressing ethics and conflict of
              interest matters. The Conflict of Interest Committee met once in 2021. </div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;"> The Finance Committee of the Board is
              currently composed of Messrs. Gaumond (Chair), Clark and Thiel. The Finance Committee is responsible for exercising all the powers of the Board of Directors with respect to the investments of the funds of Allianz Life of New York. The Finance
              Committee met two times in 2021. </div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;">Independence of Certain Directors</div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-bottom:2pt;margin-top:2pt;text-align:left;text-decoration:none;text-transform:none;"> Allianz Life of New York is
              not subject to the independence standards of the New York Stock Exchange or any other national securities exchange, but is subject to the independence standards set out in New York Insurance laws and the Model Audit Rule. Applying the
              independence standards of the Model Audit Rule to the current members of Allianz Life of New York&#8217;s Board of Directors, as well as the members that served on Allianz Life of New York&#8217;s Audit and Evaluation Committee during 2021, the Board of
              Directors has determined that Ms. Goss and Messrs. Clark and Walker are &#8220;independent&#8221; under those standards. </div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;">Code of Ethics</div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;">All of our officers and employees, including our
            Chief Executive Officer, President, Chief Financial Officer and Controller, are subject to Allianz Life of New York&#8217;s Code of Ethics.</div>
          <div style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:uppercase;">Executive Compensation</div>
          <div style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;"><font style="text-decoration:underline;">Compensation
              Discussion and Analysis</font></div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;">In this section, we provide an overview of the
            goals and principal components of our executive compensation program and describe how we determine the compensation of our &#8220;Named Executive Officers&#8221; or &#8220;NEOs.&#8221; Allianz Life of New York is a subsidiary of Allianz Life. Each of our NEOs is
            employed by both Allianz Life of New York and Allianz Life. Our NEOs are compensated directly by Allianz Life. Allianz Life charges Allianz Life of New York an allocated percentage of each NEO&#8217;s compensation. The allocated percentage of
            compensation charged to Allianz Life of New York for our NEOs</div>
        </div>
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          <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:0.5pt solid #000000;height:0.5pt;width:100%;">
          <div style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:13pt;margin-bottom:2pt;margin-top:2pt;text-align:center;text-decoration:none;text-transform:none;"> Allianz Index Advantage <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#174; </sup> New York Variable Annuity Prospectus &#8211; April 29, 2022 </div>
        </div>
        <div type="Block" style="margin-top:4pt;width:100%;">
          <div style="color:#000000;font-family:Arial;font-size:9pt;font-style:Normal;font-weight:bold;line-height:12pt;text-align:center;text-decoration:none;text-transform:none;">&#160;74&#160;</div>
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      </div>
      <hr style="margin-bottom:0pt;">
      <p style="margin:0pt;page-break-before:always;">&#160;
      </p>
      <div style="width:100%;">
        <a name="xx_d0900dac-c33c-42ef-bf73-3b3047122839_22">
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        <div style="font-family:Arial;font-size:7pt;line-height:10pt;font-weight:Normal;text-transform:none;text-align:left;vertical-align:bottom;padding-bottom:10pt;">
          <a href="#JOB_Index_3271f810-de27-47d4-9b4d-756928a3a1d0_va-toc">
            Table of Contents
          </a>
        </div>
        <div type="Block" style="width:100%;">
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-bottom:2pt;margin-top:2pt;text-align:left;text-decoration:none;text-transform:none;"> during the year ended
              December 31, 2021 is set forth below and hereafter referred to as the &#8220;Allocation Percentages.&#8221; For 2021, our NEOs were: </div>
          <div style="text-align:left;">
            <table cellspacing="0" cellpadding="0" id="z6219cf9e348949b982dd7612ba4408c3" style="border-bottom:0.5pt solid #000000;border-collapse:collapse;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;margin-left:4.25%;margin-top:6pt;width:76.82%;">

                <tr style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:1.5pt;padding-left:4pt; padding-right:6pt;padding-top:4pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:bottom;white-space:nowrap;width:52.96%;"> Name <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> (1) </sup>
                  </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:1.5pt;padding-left:6pt; padding-right:6pt;padding-top:4pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;white-space:nowrap;width:22.13%;"> Title
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:1.5pt;padding-left:6pt;padding-right:4pt;padding-top:4pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:22.13%;"> Allocation Percentages
                    </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:4pt;padding-right:6pt; padding-top:1.5pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:52.96%;"> Walter R. White
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:6pt;padding-right:6pt; padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;width:22.13%;"> Chair and Chief Executive Officer
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:6pt;padding-right:4pt;padding-top:1.5pt;text-align:center; text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:22.13%;"> 5.00%
                    </td>
                </tr>
                <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:4pt;padding-right:6pt; padding-top:1.5pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:52.96%;"> Jasmine M. Jirele
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:6pt;padding-right:6pt; padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;width:22.13%;"> Chair and Chief Executive Officer
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:6pt;padding-right:4pt;padding-top:1.5pt;text-align:center; text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:22.13%;"> 2.50%
                    </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:4pt;padding-right:6pt; padding-top:1.5pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:52.96%;"> William E. Gaumond
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:6pt;padding-right:6pt; padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;width:22.13%;"> Chief Financial Officer and Treasurer
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:6pt;padding-right:4pt;padding-top:1.5pt;text-align:center; text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:22.13%;"> 5.00%
                    </td>
                </tr>
                <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:3pt;padding-left:4pt; padding-right:6pt;padding-top:1.5pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:52.96%;"> Neil H. McKay
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-bottom:3pt;padding-left:6pt; padding-right:6pt;padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;width:22.13%;"> Chief Actuary
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-bottom:3pt;padding-left:6pt;padding-right:4pt; padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:22.13%;"> 5.00%
                    </td>
                </tr>

            </table>
          </div>
          <div style="text-align:left;">
            <table cellspacing="0" cellpadding="0" id="z693f12c53c93465a91c93f39bed1d320" style="border-collapse:collapse;empty-cells:show;margin-top:9pt;width:100%;">

                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:3.64%;"> (1)
                    </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:96.36%;"> Our two most highly paid executive officers other than our principal executive officer and principal financial officer are not included as NEOs for 2021 because their total compensation allocable to Allianz Life of New
                      York did not exceed the $100,000 threshold established by SEC rules.&#160;
                    </td>
                </tr>

            </table>
          </div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;">The details of each NEO&#8217;s compensation may be
            found in the Summary Compensation Table and other compensation tables included in this Executive Compensation section.</div>
          <div style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;"><font style="text-decoration:underline;">Executive
              Summary</font></div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;">Our NEOs are also officers of Allianz Life, our
            parent company, and are not paid additional compensation for serving as executive officers of Allianz Life of New York. Instead, our NEOs are paid directly by Allianz Life with a certain portion of their Allianz Life compensation allocated to
            Allianz Life of New York, which allocation is reviewed and approved by our Audit and Evaluation Committee with respect to those NEOs that are also the NY Principal Officers. The &#8220;NY Principal Officers&#8221; are the Chief Executive Officer,
            President, Chief Legal Officer, and Secretary, Chief Administrative Officer and Chief Financial Officer and Treasurer. Therefore, our parent company, Allianz Life, establishes our NEOs&#8217; compensation programs with our Audit and Evaluation
            Committee reviewing and approving the compensation allocations to Allianz Life of New York with respect to our NY Principal Officers. Allianz Life&#8217;s compensation programs are intended to align our NEOs&#8217; interests with those of our ultimate
            stockholder, Allianz SE, the ultimate parent company of Allianz Life and Allianz Life of New York. Allianz Life&#8217;s compensation programs are designed to reward performance that meets or exceeds the goals established by the Compensation
            Committee, a management committee of Allianz Life. Allianz Life is tasked with establishing the executive compensation philosophy. In line with Allianz Life&#8217;s compensation philosophy described below, the total compensation received by our NEOs
            will vary based on individual and corporate performance in light of annual and long-term performance goals. Our NEOs&#8217; total compensation is composed of a mix of annual base salary, annual cash awards based on corporate objectives and executive
            performance factors and long-term equity incentive awards in the form of restricted stock units of the equity securities of Allianz SE.</div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;"><font style="text-decoration:underline;">Compensation
              Philosophy and Strategy</font></div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;">Overview</div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;">The overriding goal of Allianz Life&#8217;s executive
            compensation programs is to attract, retain and motivate top-performing executive officers who will dedicate themselves to long-term financial and operational success. To this end, Allianz Life has structured the executive compensation programs
            to foster a pay-for-performance management culture by:</div>
          <div style="text-align:left;">
            <table cellspacing="0" cellpadding="2" id="z3c14978a9b4244ff8a82f79ecd702075" style="border-collapse:collapse;empty-cells:show;margin-top:3pt;width:100%;">

                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;">&#8226;
                  </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;">providing total compensation opportunities that are competitive with the levels of total compensation available at the large diversified financial services companies with which Allianz Life most directly competes in the
                    marketplace;
                  </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;">&#8226;
                  </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;">setting performance metrics and objectives for variable compensation arrangements that reward executives for attaining both annual targets and long-term business objectives, thereby providing individual executives with
                    the opportunity to earn above-average compensation by achieving above-average results;
                  </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;">&#8226;
                  </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;">establishing equity-based arrangements that align executives&#8217; financial interests with those of Allianz SE by ensuring executives have a material financial stake in the equity value of Allianz SE and the business success
                    of its affiliates; and
                  </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-bottom:0pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:2.83%;">&#8226;
                  </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-bottom:0pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;width:97.17%;">structuring compensation packages and outcomes to foster internal pay equity.
                  </td>
                </tr>

            </table>
          </div>
        </div>
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          <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:0.5pt solid #000000;height:0.5pt;width:100%;">
          <div style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:13pt;margin-bottom:2pt;margin-top:2pt;text-align:center;text-decoration:none;text-transform:none;"> Allianz Index Advantage <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#174; </sup> New York Variable Annuity Prospectus &#8211; April 29, 2022 </div>
        </div>
        <div type="Block" style="margin-top:4pt;width:100%;">
          <div style="color:#000000;font-family:Arial;font-size:9pt;font-style:Normal;font-weight:bold;line-height:12pt;text-align:center;text-decoration:none;text-transform:none;">&#160;75&#160;</div>
        </div>
      </div>
      <div style="clear:both;font-size:12pt;height:0pt;">
      </div>
      <hr style="margin-bottom:0pt;">
      <p style="margin:0pt;page-break-before:always;">&#160;
      </p>
      <div style="width:100%;">
        <a name="xx_d0900dac-c33c-42ef-bf73-3b3047122839_23">
        </a>
        <div style="font-family:Arial;font-size:7pt;line-height:10pt;font-weight:Normal;text-transform:none;text-align:left;vertical-align:bottom;padding-bottom:10pt;">
          <a href="#JOB_Index_3271f810-de27-47d4-9b4d-756928a3a1d0_va-toc">
            Table of Contents
          </a>
        </div>
        <div type="Block" style="width:100%;">
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:Normal;line-height:12pt;margin-top:12pt;text-align:left;text-decoration:none;text-transform:none;">Compensation Components</div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;">To support this pay-for-performance strategy,
            Allianz Life&#8217;s total compensation program provides a mix of compensation components that bases the majority of each executive&#8217;s compensation on their success and on an assessment of each executive&#8217;s overall contribution to that success.</div>
          <div style="text-align:center;">
            <table cellspacing="0" cellpadding="0" id="z162ce8c24e3b4e42839b5445451795fd" style="border-bottom:0.5pt solid #000000;border-collapse:collapse;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;margin-left:auto;margin-right:auto;margin-top:6pt;width:99.39%;">

                <tr style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;padding-bottom:1.75pt;padding-left:4pt; padding-right:6pt;padding-top:4pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:23.22%;">Compensation Element
                  </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;padding-bottom:1.75pt;padding-left:6pt; padding-right:6pt;padding-top:4pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;white-space:nowrap;width:49.90%;">Description
                  </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;padding-bottom:1.75pt;padding-left:6pt;padding-right:4pt; padding-top:4pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;white-space:nowrap;width:26.88%;">Objective
                  </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;padding-left:4pt;padding-right:6pt; padding-top:1.75pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:23.22%;">Base Salary
                  </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:6pt;padding-right:6pt; padding-top:1.75pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:49.90%;">Fixed rate of pay that compensates employees for fulfilling their basic job responsibilities. For NEOs, increases are
                    generally provided in the case of a significant increase in responsibilities or a significant discrepancy versus the market.
                  </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:6pt;padding-right:4pt;padding-top:1.75pt;text-align:left; text-decoration:none;text-transform:none;vertical-align:top;width:26.88%;">Attract and retain high-caliber leadership.
                  </td>
                </tr>
                <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;padding-left:4pt;padding-right:6pt; padding-top:1.75pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:23.22%;">Annual Incentive Plan
                  </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:6pt;padding-right:6pt; padding-top:1.75pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:49.90%;">Incentive compensation that promotes and rewards the achievement of annual performance objectives through awards under the
                    Allianz Life Annual Incentive Plan (&#8220;AIP&#8221;).
                  </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;color:#000000;font-family:Arial Narrow;font-family:Arial Narrow;font-size:10pt;font-size:10pt;font-style:Normal;font-style:Normal;font-weight:Normal; font-weight:Normal;line-height:12pt;line-height:12pt;padding-left:13pt;padding-right:4pt;padding-top:1.75pt;text-align:left;text-decoration:none;text-decoration:none;text-indent:-7pt;text-transform:none; text-transform:none;vertical-align:top;width:26.88%;">&#8226;&#8194;Link compensation to annual performance results.<br>
                    &#8226;&#8194;Attract and motivate high-caliber leadership.<br>
                    &#8226;&#8194;Align the interests of NEOs and our stockholder.
                  </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;padding-left:4pt;padding-right:6pt; padding-top:1.75pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:23.22%;">Performance-Based Equity Incentives
                  </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:6pt;padding-right:6pt; padding-top:1.75pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:49.90%;">Incentive compensation through restricted stock unit awards made under the Allianz Equity Incentive Plan (&#8220;AEI&#8221;) that promotes
                    and rewards the achievement of long term performance objectives.
                  </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:13pt;padding-right:4pt;padding-top:1.75pt; text-align:left;text-decoration:none;text-indent:-7pt;text-transform:none;vertical-align:top;width:26.88%;">&#8226;&#8194;Retain high-caliber leadership with multi-year vesting.<br>
                    &#8226;&#8194;Align the interests of NEOs and our stockholder.
                  </td>
                </tr>
                <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;padding-left:4pt;padding-right:6pt; padding-top:1.75pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:23.22%;">Severance Arrangements
                  </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:6pt;padding-right:6pt; padding-top:1.75pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:49.90%;">Severance payments to employees, including NEOs, under certain company-initiated termination events.
                  </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:6pt;padding-right:4pt;padding-top:1.75pt;text-align:left; text-decoration:none;text-transform:none;vertical-align:top;width:26.88%;">Compensate employees for situations where the employee&#8217;s employment is involuntarily terminated in a qualifying termination of employment.
                  </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;padding-bottom:4pt;padding-left:4pt; padding-right:6pt;padding-top:1.75pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:23.22%;">Perquisites-Benefits
                  </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-bottom:4pt;padding-left:6pt; padding-right:6pt;padding-top:1.75pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:49.90%;">Perquisites provided to our NEOs include employer matching contributions to the NEOs&#8217; accounts in the 401(k)
                    plan and may also include the payment of life insurance premiums, relocation reimbursements, and reimbursements for financial planning, tax preparation services, and spousal travel expenses.
                  </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-bottom:4pt;padding-left:6pt;padding-right:4pt; padding-top:1.75pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:26.88%;">Provide market competitive total compensation package.
                  </td>
                </tr>

            </table>
          </div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:9pt;text-align:left;text-decoration:none;text-transform:none;">In addition, Allianz Life offers all employees,
            including our NEOs, broad-based benefits, including comprehensive medical, dental and vision insurance, group term life insurance and participation in a 401(k) plan.</div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;"><font style="text-decoration:underline;">How
              Compensation Decisions Are Made</font></div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;">Role of the Board of Directors and Compensation
            Committee</div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;">The framework governing the executive
            compensation policies for Allianz Life, which directly compensates the executives of Allianz Life of New York, except as such policies relate to the compensation for the Chief Executive Officer, is set through the Compensation Committee of
            Allianz Life. Decisions affecting the compensation of the Chief Executive Officer are outside the scope of the Allianz Life Compensation Committee. Any such decisions are made by Allianz SE, subject to review by the Nomination, Evaluation and
            Compensation Committee of the Allianz Life Board of Directors (the &#8220;NEC Committee&#8221;), and final approval by Allianz Life&#8217;s Board of Directors. With respect to the compensation of other &#8220;principal officers&#8221; selected by the Board for purposes of
            the duties of the NEC Committee under Minn. Stat. &#167; 60D.20, subd. 3(d), the Compensation Committee&#8217;s decisions are similarly subject to review by the NEC Committee and final approval by Allianz Life&#8217;s Board. The &#8220;principal officers&#8221; include the
            Chief Executive Officer, Chief Financial Officer, and General Counsel. Allianz Life&#8217;s Board has delegated the following responsibilities to the Compensation Committee:</div>
          <div style="text-align:left;">
            <table cellspacing="0" cellpadding="0" id="z50201464a1634614903eca52ad3fe33a" style="border-collapse:collapse;empty-cells:show;margin-top:2pt;width:100%;">

                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;">&#8226;
                  </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;">In general, establish the compensation philosophy and strategy of Allianz Life and oversee the development and implementation of compensation, benefit, and perquisite programs for corporate executives consistent with the
                    principles of ensuring that leadership is compensated effectively in a manner consistent with the stated compensation strategy, internal equity considerations, competitive practices, shareholder interests, and the requirements of any
                    applicable regulatory bodies in order to attract and retain high-quality leadership. This responsibility includes periodic review of Allianz Life&#8217;s compensation programs to pursue certain goals, with the expectation that changes will be
                    made periodically to ensure these goals are attained.
                  </td>
                </tr>

            </table>
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          <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:0.5pt solid #000000;height:0.5pt;width:100%;">
          <div style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:13pt;margin-bottom:2pt;margin-top:2pt;text-align:center;text-decoration:none;text-transform:none;"> Allianz Index Advantage <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#174; </sup> New York Variable Annuity Prospectus &#8211; April 29, 2022 </div>
        </div>
        <div type="Block" style="margin-top:4pt;width:100%;">
          <div style="color:#000000;font-family:Arial;font-size:9pt;font-style:Normal;font-weight:bold;line-height:12pt;text-align:center;text-decoration:none;text-transform:none;">&#160;76&#160;</div>
        </div>
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      <div style="clear:both;font-size:12pt;height:0pt;">
      </div>
      <hr style="margin-bottom:0pt;">
      <p style="margin:0pt;page-break-before:always;">&#160;
      </p>
      <div style="width:100%;">
        <a name="xx_d0900dac-c33c-42ef-bf73-3b3047122839_24">
        </a>
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          <a href="#JOB_Index_3271f810-de27-47d4-9b4d-756928a3a1d0_va-toc">
            Table of Contents
          </a>
        </div>
        <div type="Block" style="width:100%;">
          <div style="text-align:left;">
            <table cellspacing="0" cellpadding="2" id="z6d320dd575a5436a84c3e67723efc2c1" style="border-collapse:collapse;empty-cells:show;margin-top:0pt;width:100%;">

                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;">&#8226;
                  </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;">Review and approve the establishment of, or material modification to, any executive incentive compensation plans or programs for Allianz Life.
                  </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;">&#8226;
                  </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;">Review and approve any special benefits or perquisites in effect for, or offered to, any prospective, current or former Allianz Life employee, regardless of the employee&#8217;s level or assignment within Allianz Life. Such
                    benefits and perquisites are those that are unusual or different from the benefits offered to all similarly-situated employees.
                  </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;">&#8226;
                  </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;">Review and approve any employment agreements proposed to be made with any prospective or current employee of Allianz Life.
                  </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;">&#8226;
                  </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;">Review and approve any individual severance agreement with any Allianz Life officer. This does not include an arrangement where the employee receives severance or incentive payments under existing terms of a broad-based
                    benefit or compensation plan.
                  </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-bottom:0pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:2.83%;">&#8226;
                  </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-bottom:0pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;width:97.17%;">Oversee Allianz Life&#8217;s compliance with regulations with respect to compensation matters and adopt and monitor adherence to global and local process requirements and timelines, including those required
                    under the Corporate Rules (as defined under the Allianz Life Standard for Corporate Rules) mandated by Allianz SE.
                  </td>
                </tr>

            </table>
          </div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:9pt;text-align:left;text-decoration:none;text-transform:none;">The Compensation Committee will at all times be
            composed of at least three members who are appointed by the full Board of Directors of Allianz Life. The Compensation Committee currently consists of the following members: the Chair of the Board, the Chief Executive Officer, and the Chief
            Human Resources Officer. The Compensation Committee also utilizes internal personnel to provide advice to the Compensation Committee regarding market trends in compensation policies at competing companies and on a more macro level.</div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;">Following its review and decision, the
            Compensation Committee produces and submits a report on executive compensation to Allianz Life&#8217;s Board of Directors at its request. With respect to the compensation of &#8220;principal officers&#8221; selected by Allianz Life&#8217;s Board for purposes of the
            duties of the NEC Committee under Minnesota Statutes &#167; 60D.20, subd. 3(d), the Compensation Committee produces and submits a report on executive compensation proposed for the designated &#8220;principal officers&#8221; to the NEC Committee for its review
            and recommendation to Allianz Life&#8217;s Board for final approval.</div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;">Role of the Chief Executive Officer</div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-bottom:2pt;margin-top:2pt;text-align:left;text-decoration:none;text-transform:none;"> Our Chief Executive Officer
              assists the Compensation Committee in its review of the total compensation of all the NEOs except themself. The Chief Executive Officer provides the Compensation Committee with their assessment of the NEOs&#8217; respective performance relative to
              the corporate and individual goals and other expectations set for them for the preceding year. The Chief Executive Officer then provides their recommendation for each NEO&#8217;s total compensation and the appropriate goals for each NEO in the year
              to come. However, the Compensation Committee is not bound by the Chief Executive Officer&#8217;s recommendations. </div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;">Role of Allianz Life&#8217;s Human Resources</div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;">Allianz Life&#8217;s Human Resources supports the
            Compensation Committee on executive compensation matters by being responsible for many of the organizational and administrative tasks that underlie the compensation review and determination process and making presentations on various topics.
            Allianz Life&#8217;s Human Resources efforts include, among other things:</div>
          <div style="text-align:left;">
            <table cellspacing="0" cellpadding="2" id="z1a056b6b8c7c40b293899483bbe0028f" style="border-collapse:collapse;empty-cells:show;margin-top:3pt;width:100%;">

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                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;">&#8226;
                  </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;">evaluating the compensation data from industry groups, national executive pay surveys, and other sources for the NEOs and other executive officers as appropriate;
                  </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;">&#8226;
                  </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;">gathering and correlating performance ratings and reviews for individual executive officers, including the NEOs;
                  </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;">&#8226;
                  </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;">reviewing executive compensation recommendations against appropriate market data and for internal consistency and equity; and
                  </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-bottom:0pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:2.83%;">&#8226;
                  </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-bottom:0pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;width:97.17%;">reporting to, and answering requests for information from, the Compensation Committee.
                  </td>
                </tr>

            </table>
          </div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:9pt;text-align:left;text-decoration:none;text-transform:none;">Allianz Life&#8217;s Human Resources officers also
            coordinate and share information with their counterparts at Allianz SE.</div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;"><font style="text-decoration:underline;">Use of
              Competitive Compensation Data</font></div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;">Because Allianz Life competes most directly for
            executive talent with other large diversified financial services companies, Allianz Life regards it as essential to regularly review the competitiveness of the total compensation programs for executives to ensure that Allianz Life provides
            compensation opportunities that compare favorably with the levels of total compensation offered to similarly situated executives by other companies that participate in the compensation surveys in which Allianz Life participates. Allianz Life
            relies primarily on external market surveys of corporate compensation and</div>
        </div>
        <div type="Block" style="margin-top:4pt;width:100%;">
          <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:0.5pt solid #000000;height:0.5pt;width:100%;">
          <div style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:13pt;margin-bottom:2pt;margin-top:2pt;text-align:center;text-decoration:none;text-transform:none;"> Allianz Index Advantage <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#174; </sup> New York Variable Annuity Prospectus &#8211; April 29, 2022 </div>
        </div>
        <div type="Block" style="margin-top:4pt;width:100%;">
          <div style="color:#000000;font-family:Arial;font-size:9pt;font-style:Normal;font-weight:bold;line-height:12pt;text-align:center;text-decoration:none;text-transform:none;">&#160;77&#160;</div>
        </div>
      </div>
      <div style="clear:both;font-size:12pt;height:0pt;">
      </div>
      <hr style="margin-bottom:0pt;">
      <p style="margin:0pt;page-break-before:always;">&#160;
      </p>
      <div style="width:100%;">
        <a name="xx_d0900dac-c33c-42ef-bf73-3b3047122839_25">
        </a>
        <div style="font-family:Arial;font-size:7pt;line-height:10pt;font-weight:Normal;text-transform:none;text-align:left;vertical-align:bottom;padding-bottom:10pt;">
          <a href="#JOB_Index_3271f810-de27-47d4-9b4d-756928a3a1d0_va-toc">
            Table of Contents
          </a>
        </div>
        <div type="Block" style="width:100%;">
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;text-align:left;text-decoration:none;text-transform:none;">benefits published by various national compensation consulting
            firms, especially salary surveys focusing on insurance companies. In addition, other factors taken into account include the average revenues and number of employees of companies that participate in such surveys.</div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;">All these information sources are employed to
            measure and compare actual pay levels not only on an aggregate, total compensation basis, but also to break down the total compensation program component by component to review and compare specific compensation elements as well as the
            particular mixes of fixed versus variable, short-term versus long-term, and cash versus equity-based compensation at the surveyed companies. This information, as collected and reviewed by Allianz Life&#8217;s Human Resources, is submitted to the
            Compensation Committee for review and discussion.</div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;">Internal Pay Equity Analysis</div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;">Allianz Life&#8217;s compensation programs are designed
            with the goal of providing compensation to our NEOs that is fair, reasonable, and competitive. To achieve this goal, Allianz Life believes it is important to compare compensation paid to each NEO not only with compensation paid by the surveyed
            companies, as discussed above, but also with compensation paid to each of our other NEOs. Such an internal comparison is important to ensure that compensation is equitable among our NEOs.</div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;"><font style="text-decoration:underline;">Components
              of Total Compensation For Our NEOs</font></div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;">Allianz Life provides total compensation to our
            NEOs that consists of several components. These components include the three components of the total compensation program (i.e., base salary, annual incentives, and equity) as well as: (i) retirement, health, and other benefit programs; (ii)
            severance benefits; and (iii) perquisites.</div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;">Base Salary</div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;">Allianz Life&#8217;s philosophy is to make base salary
            a relatively small portion of the overall compensation package for our NEOs, which Allianz Life believes is common in the industry in which we operate. The amount of the base salary awarded to NEOs is based on the position held, the NEO&#8217;s
            tenure, the scope of the position&#8217;s responsibilities, and the NEO&#8217;s own performance, all of which are reviewed with the aid of market survey data. Using this data, Allianz Life maintains a 50th percentile pricing philosophy, comparing base
            salaries against the median for comparable salaries at surveyed companies, unless exceptional conditions require otherwise.</div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-bottom:2pt;margin-top:2pt;text-align:left;text-decoration:none;text-transform:none;"> With respect to the base
              salary of our Chief Executive Officer, the Chair of the Board considered the Chief Executive Officer&#8217;s experience, performance, and contribution to overall corporate performance when determining their base salary for 2021 for recommendation
              to the NEC Committee. Base salaries for our other NEOs for 2021 were also set by the Compensation Committee based upon each NEO&#8217;s individual experience and contribution to the overall performance of Allianz Life, and subject to Allianz SE
              Compensation Committee reviews and, with respect to the base salaries of &#8220;principal officers&#8221; selected by Allianz Life&#8217;s Board of Directors for purposes of the duties of the NEC Committee under Minnesota Statutes &#167; 60D.20, subd. 3(d), subject
              to NEC Committee review and recommendation to Allianz Life&#8217;s Board for final approval. </div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;">AIP</div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;">Allianz Life offers annual cash bonuses to
            certain executive officers under the AIP. The AIP is designed to improve performance and profitability by motivating employees to accomplish organizational objectives and financial goals. Bonus awards that may be paid pursuant to the AIP are
            within the sole discretion of the Compensation Committee, and with respect to our CEO, the Chair of the Board, and are intended to:</div>
          <div style="text-align:left;">
            <table cellspacing="0" cellpadding="2" id="z3e32715f0a884e579720d540251fbb77" style="border-collapse:collapse;empty-cells:show;margin-top:2pt;width:100%;">

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                  </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;">reward the performance of participants who have made significant contributions to the achievement of annual goals and objectives;
                  </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;">&#8226;
                  </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;">provide an incentive that will encourage future superior individual performance; and
                  </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-bottom:0pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:2.83%;">&#8226;
                  </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-bottom:0pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;width:97.17%;">encourage the retention of employees who have demonstrated exceptional performance and/or are anticipated to significantly contribute to the long-term success of Allianz Life.
                  </td>
                </tr>

            </table>
          </div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-bottom:2pt;margin-top:2pt;text-align:left;text-decoration:none;text-transform:none; "> Following the performance year, the Compensation Committee approved a specific amount of cash awards to be made pursuant to the AIP to executive officers, including our NEOs, for the 2021 performance year. The amount determined to be
              available for such awards was at the discretion of the Compensation Committee and was dependent upon many factors as outlined previously, including, but not limited to, current financial performance and contributions of our NEOs in achieving
              performance objectives, and with respect to the awards to the &#8220;principal officers&#8221; selected by Allianz Life&#8217;s Board for purposes of the duties of the NEC Committee under Minnesota Statutes &#167; 60D.20, subd. 3(d), subject to NEC Committee review
              and recommendation to Allianz Life&#8217;s Board for final approval. </div>
        </div>
        <div type="Block" style="margin-top:4pt;width:100%;">
          <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:0.5pt solid #000000;height:0.5pt;width:100%;">
          <div style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:13pt;margin-bottom:2pt;margin-top:2pt;text-align:center;text-decoration:none;text-transform:none;"> Allianz Index Advantage <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#174; </sup> New York Variable Annuity Prospectus &#8211; April 29, 2022 </div>
        </div>
        <div type="Block" style="margin-top:4pt;width:100%;">
          <div style="color:#000000;font-family:Arial;font-size:9pt;font-style:Normal;font-weight:bold;line-height:12pt;text-align:center;text-decoration:none;text-transform:none;">&#160;78&#160;</div>
        </div>
      </div>
      <div style="clear:both;font-size:12pt;height:0pt;">
      </div>
      <hr style="margin-bottom:0pt;">
      <p style="margin:0pt;page-break-before:always;">&#160;
      </p>
      <div style="width:100%;">
        <a name="xx_d0900dac-c33c-42ef-bf73-3b3047122839_26">
        </a>
        <div style="font-family:Arial;font-size:7pt;line-height:10pt;font-weight:Normal;text-transform:none;text-align:left;vertical-align:bottom;padding-bottom:10pt;">
          <a href="#JOB_Index_3271f810-de27-47d4-9b4d-756928a3a1d0_va-toc">
            Table of Contents
          </a>
        </div>
        <div type="Block" style="width:100%;">
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;">AEI</div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;">The AEI is (a) one part of the variable
            compensation component for certain individuals within designated classes of employees at Allianz Life or (b) offered by Allianz Life to select senior employees as an additional part of their variable compensation on a case by case basis. The
            AEI is granted in the form of restricted stock units of Allianz SE (&#8220;RSUs&#8221;). The award of RSU&#8217;s are intended to:</div>
          <div style="text-align:left;">
            <table cellspacing="0" cellpadding="2" id="zf2d5446515934acaba5ce008d52eba66" style="border-collapse:collapse;empty-cells:show;margin-top:2pt;width:100%;">

                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;">&#8226;
                  </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;">reward the performance of participants who have made significant contributions to the achievement of their company&#8217;s annual goals and objectives,
                  </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;">&#8226;
                  </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;">provide an incentive that will encourage future superior individual performance, and
                  </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-bottom:0pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:2.83%;">&#8226;
                  </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-bottom:0pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;width:97.17%;">encourage the retention of employees who have demonstrated exceptional performance and/or are anticipated to significantly contribute to the long-term success Allianz.
                  </td>
                </tr>

            </table>
          </div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-bottom:2pt;margin-top:2pt;text-align:left;text-decoration:none;text-transform:none;"> Awards made pursuant to the
              AEI are based upon both the performance of Allianz Life and Allianz Life of New York and the performance of the NEO. The Compensation Committee (and, with respect to those NEOs that are &#8220;principal officers&#8221; for purposes of the NEC Committee&#8217;s
              duties, the NEC Committee with final approval of Allianz Life&#8217;s Board of Directors) reviewed the performance of our NEOs following the end of our 2021 fiscal year relative to the AEI allocation amount. </div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;">Benefit Perquisites</div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-bottom:2pt;margin-top:2pt;text-align:left;text-decoration:none;text-transform:none;"> Allianz Life provides our
              NEOs with certain limited perquisites. All of our employees, including our NEOs, may participate in the qualified 401(k) plan. Allianz Life and Allianz Life of New York generally provide our executive officers, including our NEOs, with a
              matching contribution up to $21,750 annually. In addition, Allianz Life and Allianz Life of New York provide excess liability insurance coverage to all of our NEOs and provide financial planning and tax preparation services, relocation
              reimbursements, and reimbursements of spousal travel expenses to certain of our NEOs. The incremental costs of perquisites for the NEOs during 2021 are included in the column entitled &#8220;All Other Compensation&#8221; in the Summary Compensation Table
              included in this section. </div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;">Severance Arrangements</div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-bottom:2pt;margin-top:2pt;text-align:left;text-decoration:none;text-transform:none;"> Allianz Life entered into an
              Executive Severance Agreement with our former President, and Chief Executive Officer, Walter R. White, which is described in the &#8220;Allianz Life Executive Severance Agreement&#8221; discussion later in this section. We have not entered into any other
              specific severance agreements with any of our NEOs. </div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;">The remainder of our NEOs are eligible for
            severance payments under the Executive Severance Plan if they experience a qualifying termination of employment and otherwise satisfy the conditions set forth in the plan.</div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-bottom:2pt;margin-top:2pt;text-align:left;text-decoration:none;text-transform:none;"> Other than the Executive
              Severance Plan, which is described later in this section, our NEOs (except for Jasmine M. Jirele) are not eligible for severance payments. Certain of our executive officers receive offer letters which set forth the terms relating to base
              salary, sign-on incentives, and equity compensation. However, Allianz Life does not view these offer letters as employment agreements as each offer letter states that employment with Allianz Life is &#8220;at will.&#8221; </div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;"><font style="text-decoration:underline;">Other
              Compensation Policies</font></div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;">Tax and Accounting Implications</div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;"><font style="text-decoration:underline;">Stock-Based
              Compensation</font>. Stock-based compensation, comprised of Allianz SE restricted stock units (RSUs) granted pursuant to the AEI, are accounted for in accordance with the requirements of Financial Accounting Standards Board Accounting
            Standards Codification (&#8220;FASB ASC&#8221;) Topic 718. The fair value of the RSUs at grant is the arithmetic average of the closing prices of an Allianz SE share in the electronic cash market trading system Xetra (or any successor system) on that day
            and the nine immediately preceding trading days, less the present value of dividends expected to be paid on one Allianz SE share over the vesting period, and less the fair value of payout restrictions deriving from the vesting period and the
            payout cap.</div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;">Recently Discontinued Compensation Programs</div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;">The purpose of the ALTPUP was to advance the
            interests of Allianz Life, including Allianz Life of New York, and our indirect stockholder. The ALTPUP sought to accomplish this purpose by providing an incentive in addition to current compensation to certain individuals within designated
            classes of employees of Allianz Life who contribute significantly to their company&#8217;s long-term performance. Such incentive was in the form of Long-Term Performance Units ("ALTPUP Units"), which were contingent awards, subject to the terms,
            conditions, and restrictions described in the ALTPUP and the Award Agreement under which such awards were made, by which participants in the ALTPUP may have become entitled to receive cash on the payment date for redemption of the ALTPUP Units
            valued on the valuation date. The award of</div>
        </div>
        <div type="Block" style="margin-top:4pt;width:100%;">
          <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:0.5pt solid #000000;height:0.5pt;width:100%;">
          <div style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:13pt;margin-bottom:2pt;margin-top:2pt;text-align:center;text-decoration:none;text-transform:none;"> Allianz Index Advantage <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#174; </sup> New York Variable Annuity Prospectus &#8211; April 29, 2022 </div>
        </div>
        <div type="Block" style="margin-top:4pt;width:100%;">
          <div style="color:#000000;font-family:Arial;font-size:9pt;font-style:Normal;font-weight:bold;line-height:12pt;text-align:center;text-decoration:none;text-transform:none;">&#160;79&#160;</div>
        </div>
      </div>
      <div style="clear:both;font-size:12pt;height:0pt;">
      </div>
      <hr style="margin-bottom:0pt;">
      <p style="margin:0pt;page-break-before:always;">&#160;
      </p>
      <div style="width:100%;">
        <a name="xx_d0900dac-c33c-42ef-bf73-3b3047122839_27">
        </a>
        <div style="font-family:Arial;font-size:7pt;line-height:10pt;font-weight:Normal;text-transform:none;text-align:left;vertical-align:bottom;padding-bottom:10pt;">
          <a href="#JOB_Index_3271f810-de27-47d4-9b4d-756928a3a1d0_va-toc">
            Table of Contents
          </a>
        </div>
        <div type="Block" style="width:100%;">
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-bottom:2pt;margin-top:2pt;text-align:left;text-decoration:none;text-transform:none;"> ALTPUP Units was
              discretionary. In March 2020, the Group Compensation Committee determined all Allianz entities would move forward with the Allianz SE long term incentive program or AEI. As a result, the ALTPUP program has been discontinued and provided a
              final grant in March 2020 for 2019 performance. The final payout under the ALTPUP program is expected to occur in 2023. </div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;"> Walter R. White, our former Chief Executive
              Officer, received cash awards pursuant to the terms of the Allianz SE Mid-Term Bonus Plan instead of the ALTPUP. Like the ALTPUP, the Mid-Term Bonus Plan has been discontinued, so the award with respect to 2019 performance was the final award
              made under the Mid-Term Bonus Plan. </div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;"><font style="text-decoration:underline;">Summary
              Compensation Table</font></div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-bottom:2pt;margin-top:2pt;text-align:left;text-decoration:none;text-transform:none;"> The following table sets
              forth the compensation paid by Allianz Life for the year ended December 31, 2021 to our NEOs. The executive compensation information in this prospectus is shown for a one-year period. </div>
          <div style="text-align:center;">
            <table cellspacing="0" cellpadding="0" id="z4d71da76045a462cb3ae8844a5c01d35" style="border-bottom:0.5pt solid #000000;border-collapse:collapse;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;margin-left:auto;margin-right:auto;margin-top:6pt;width:99.39%;">

                <tr style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:1.5pt;padding-left:4pt; padding-right:6pt;padding-top:4pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:18.66%;"> Name and Principal <br>

                      Position <br>

                      (a)
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:1.5pt;padding-left:6pt; padding-right:6pt;padding-top:4pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:5.42%;"> Year <br>

                      (b)
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:1.5pt;padding-left:6pt; padding-right:6pt;padding-top:4pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:12.68%;"> NY Allocation %
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:1.5pt;padding-left:6pt; padding-right:6pt;padding-top:4pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:7.27%;"> Salary <br>

                      (c)
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:1.5pt;padding-left:6pt; padding-right:6pt;padding-top:4pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:7.27%;"> Bonus <br>

                      (d)
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:1.5pt;padding-left:6pt; padding-right:6pt;padding-top:4pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:7.92%;"> Stock <br>

                      Awards <br>

                      (e) <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> (3) </sup>
                  </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:1.5pt;padding-left:6pt; padding-right:6pt;padding-top:4pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:21.06%;"> Non-Equity <br>

                      Incentive Plan Compensation <br>

                      (g)
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:1.5pt;padding-left:6pt; padding-right:6pt;padding-top:4pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:11.71%;"> All Other <br>

                      Compensation <br>

                      (i) <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> (4) </sup>
                  </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:1.5pt;padding-left:6pt;padding-right:4pt;padding-top:4pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:8.02%;"> Total <br>

                      (j)
                    </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:4pt;padding-right:6pt; padding-top:1.5pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:18.66%;"> Walter R. White <br>
                    <font style="font-weight:Normal;"> Chair and Chief Executive Officer </font>
                  </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:6pt;padding-right:6pt; padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:5.42%;"> 2021
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:6pt;padding-right:6pt; padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:12.68%;"> 5.00%
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:6pt;padding-right:6pt; padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:7.27%;"> $43,255
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:6pt;padding-right:6pt; padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;width:7.27%;"> $15,000
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:6pt;padding-right:6pt; padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;width:7.92%;"> $116,789
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:6pt;padding-right:6pt; padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;width:21.06%;"> $77,859
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:6pt;padding-right:6pt; padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;width:11.71%;"> $1,133
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:6pt;padding-right:4pt;padding-top:1.5pt;text-align:center; text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:8.02%;"> $254,036
                    </td>
                </tr>
                <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:4pt;padding-right:6pt; padding-top:1.5pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:18.66%;"> Jasmine M. Jirele <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> (1,2) </sup><br>
                    <font style="font-weight:Normal;"> Chair and Chief Executive Officer </font>
                  </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:6pt;padding-right:6pt; padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:5.42%;"> 2021
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:6pt;padding-right:6pt; padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:12.68%;"> 2.50%
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:6pt;padding-right:6pt; padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:7.27%;"> $14,049
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:6pt;padding-right:6pt; padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;width:7.27%;"> $ 9,750
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:6pt;padding-right:6pt; padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;width:7.92%;"> $ 26,708
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:6pt;padding-right:6pt; padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:21.06%;"> $17,805
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:6pt;padding-right:6pt; padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;width:11.71%;"> $ 563
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:6pt;padding-right:4pt;padding-top:1.5pt;text-align:center; text-decoration:none;text-transform:none;vertical-align:top;width:8.02%;"> $ 68,874
                    </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:4pt;padding-right:6pt; padding-top:1.5pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:18.66%;"> William E. Gaumond <br>
                    <font style="font-weight:Normal;"> Chief Financial Officer and Treasurer </font>
                  </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:6pt;padding-right:6pt; padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:5.42%;"> 2021
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:6pt;padding-right:6pt; padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:12.68%;"> 5.00%
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:6pt;padding-right:6pt; padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;width:7.27%;"> $23,795
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:6pt;padding-right:6pt; padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;width:7.27%;"> $15,000
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:6pt;padding-right:6pt; padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;width:7.92%;"> $ 38,548
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:6pt;padding-right:6pt; padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;width:21.06%;"> $25,699
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:6pt;padding-right:6pt; padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;width:11.71%;"> $1,122
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:6pt;padding-right:4pt;padding-top:1.5pt;text-align:center; text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:8.02%;"> $104,163
                    </td>
                </tr>
                <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:3pt;padding-left:4pt; padding-right:6pt;padding-top:1.5pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:18.66%;"> Neil H. McKay <br>
                    <font style="font-weight:Normal;"> Senior Vice President, Chief Actuary </font>
                  </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-bottom:3pt;padding-left:6pt; padding-right:6pt;padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:5.42%;"> 2021
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-bottom:3pt;padding-left:6pt; padding-right:6pt;padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:12.68%;"> 5.00%
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-bottom:3pt;padding-left:6pt; padding-right:6pt;padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:7.27%;"> $25,500
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-bottom:3pt;padding-left:6pt; padding-right:6pt;padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;width:7.27%;"> $ 2,500
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-bottom:3pt;padding-left:6pt; padding-right:6pt;padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;width:7.92%;"> $ 46,310
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-bottom:3pt;padding-left:6pt; padding-right:6pt;padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:21.06%;"> $27,540
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-bottom:3pt;padding-left:6pt; padding-right:6pt;padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:11.71%;"> $1,220
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-bottom:3pt;padding-left:6pt;padding-right:4pt; padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:8.02%;"> $103,070
                    </td>
                </tr>

            </table>
          </div>
          <div style="text-align:left;">
            <table cellspacing="0" cellpadding="1" id="z13504d37d93b4844995097e3ac31fb7f" style="border-collapse:collapse;empty-cells:show;margin-top:9pt;width:100%;">

                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:3.64%;"> (1)
                    </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:96.36%;"> Represents compensation paid during her time as Senior Vice President, Chief Growth Officer and President and Chief Executive Officer.
                    </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:3.64%;"> (2)
                    </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:96.36%;"> A retention bonus of $800,000 will be paid over four years in increments of $200,000 with the first payment paid in March 2019 and the final payment in 2022 so long as Ms. Jirele remains employed by Allianz Life.
                    </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;width:3.64%;"> (3)
                    </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:96.36%;"> Represents the grant date fair value of the RSUs issued pursuant to the AEI. The RSUs vest over a four-year period. The RSUs issued in 2022 for the 2021 performance year have a March 2026 exercise date. The grant price
                      of the RSUs was the arithmetic average of the closing prices of an Allianz SE share in the electronic cash market trading system Xetra (or any successor system) on the date of grant and the nine immediately preceding trading days,
                      less the present value of dividends expected to be paid on one Allianz SE share over the vesting period, and less the fair value of the payout restrictions deriving from the vesting period and the payout cap. These numbers show the
                      amount realized for financial reporting purposes as calculated in accordance with the FASB ASC Topic 718. Under FASB ASC Topic 718, the grant date fair value is calculated using the closing market price of the common stock of Allianz
                      SE on the date of grant, which is then recognized over the requisite service period of the award.
                    </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-bottom:0pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:3.64%;"> (4)
                    </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-bottom:0pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;width:96.36%;"> The following table provides additional details regarding compensation found in the &#8220;All Other Compensation&#8221; column.
                    </td>
                </tr>

            </table>
          </div>
          <div style="text-align:left;">
            <table cellspacing="0" cellpadding="0" id="zfb5809cc040545c3b00426c85ca1b800" style="border-collapse:collapse;empty-cells:show;margin-top:0pt;width:100%;">

                <tr style="page-break-inside:avoid;">
                  <td style="line-height:0pt;padding-left:0pt;padding-right:2pt;text-align:left;vertical-align:top;width:3.64%;">&#160;
                  </td>
                  <td style="line-height:1pt;text-align:left;vertical-align:top;white-space:nowrap;width:96.36%;">&#160;
                  </td>
                </tr>

            </table>
          </div>
          <div style="text-align:left;">
            <table cellspacing="0" cellpadding="0" id="z1b92f32463ab40e6b6aa5248469c46fa" style="border-bottom:0.5pt solid #000000;border-collapse:collapse;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;margin-left:4.25%;margin-top:6pt;width:85.63%;">

                <tr style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:1.5pt;padding-left:4pt; padding-right:6pt;padding-top:4pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:bottom;white-space:nowrap;width:20.97%;"> Name
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:1.5pt;padding-left:6pt; padding-right:6pt;padding-top:4pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;white-space:nowrap;width:6.29%;"> Year
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:1.5pt;padding-left:6pt; padding-right:6pt;padding-top:4pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:8.86%;"> Spousal <br>

                      Travel <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> (5) </sup>
                  </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:1.5pt;padding-left:6pt; padding-right:6pt;padding-top:4pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:13.20%;"> Milestone/ <br>

                      Anniversary/ <br>

                      Recognition <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> (6) </sup>
                  </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:1.5pt;padding-left:6pt; padding-right:6pt;padding-top:4pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:13.34%;"> Life Insurance <br>

                      Premiums
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:1.5pt;padding-left:6pt; padding-right:6pt;padding-top:4pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:14.80%;"> Employer Match <br>

                      to 401(k) Plan
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:1.5pt;padding-left:6pt; padding-right:6pt;padding-top:4pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:13.54%;"> ASAAP <br>

                      Contribution <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> (7) </sup>
                  </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:1.5pt;padding-left:6pt;padding-right:4pt;padding-top:4pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;white-space:nowrap;width:7.58%;"> Total
                    </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:4pt;padding-right:6pt; padding-top:1.5pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:20.97%;"> Walter R. White
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:6pt;padding-right:6pt; padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:6.29%;"> 2021
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:12.60pt; padding-right:6pt;padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;width:8.86%;"> --
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:12.60pt; padding-right:6pt;padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:13.20%;"> --
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:6pt;padding-right:6pt; padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:13.34%;"> $46
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:6pt;padding-right:6pt; padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;width:14.80%;"> $1,088
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:15.77pt; padding-right:6pt;padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:13.54%;"> --
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:6pt;padding-right:4pt;padding-top:1.5pt;text-align:center; text-decoration:none;text-transform:none;vertical-align:top;width:7.58%;"> $1,133
                    </td>
                </tr>
                <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:4pt;padding-right:6pt; padding-top:1.5pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:20.97%;"> Jasmine M. Jirele
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:6pt;padding-right:6pt; padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:6.29%;"> 2021
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:12.60pt; padding-right:6pt;padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:8.86%;"> --
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:6pt;padding-right:6pt; padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;width:13.20%;"> $ 9
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:6pt;padding-right:6pt; padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:13.34%;"> $10
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:6pt;padding-right:6pt; padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;width:14.80%;"> $ 488
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:6pt;padding-right:6pt; padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;width:13.54%;"> $ 56
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:6pt;padding-right:4pt;padding-top:1.5pt;text-align:center; text-decoration:none;text-transform:none;vertical-align:top;width:7.58%;"> $ 563
                    </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:4pt;padding-right:6pt; padding-top:1.5pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:20.97%;"> William E. Gaumond
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:6pt;padding-right:6pt; padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:6.29%;"> 2021
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:12.60pt; padding-right:6pt;padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;width:8.86%;"> --
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:12.60pt; padding-right:6pt;padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:13.20%;"> --
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:6pt;padding-right:6pt; padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;width:13.34%;"> $34
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:6pt;padding-right:6pt; padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;width:14.80%;"> $ 975
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:6pt;padding-right:6pt; padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;width:13.54%;"> $113
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:6pt;padding-right:4pt;padding-top:1.5pt;text-align:center; text-decoration:none;text-transform:none;vertical-align:top;width:7.58%;"> $1,122
                    </td>
                </tr>
                <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:3pt;padding-left:4pt; padding-right:6pt;padding-top:1.5pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:20.97%;"> McKay, Neil
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-bottom:3pt;padding-left:6pt; padding-right:6pt;padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:6.29%;"> 2021
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-bottom:3pt;padding-left:6pt; padding-right:6pt;padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:8.86%;"> $10
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-bottom:3pt;padding-left:6pt; padding-right:6pt;padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:13.20%;"> $85
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-bottom:3pt;padding-left:6pt; padding-right:6pt;padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:13.34%;"> $37
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-bottom:3pt;padding-left:6pt; padding-right:6pt;padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:14.80%;"> $1,088
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-bottom:3pt; padding-left:15.77pt;padding-right:6pt;padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:13.54%;"> --
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-bottom:3pt;padding-left:6pt;padding-right:4pt; padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:7.58%;"> $1,220
                    </td>
                </tr>

            </table>
          </div>
          <div style="text-align:left;">
            <table cellspacing="0" cellpadding="1" id="z07d22e3f16ad407499cee6be082e901e" style="border-collapse:collapse;empty-cells:show;margin-top:9pt;width:100%;">

                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;width:3.64%;"> (5)
                    </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:96.36%;"> Represents reimbursement or payments made to defray the costs of a spouse&#8217;s travel.
                    </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:3.64%;"> (6)
                    </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:96.36%;"> Represents Milestone Anniversary Program, which pays a bonus at three and five year anniversaries, and then every five years thereafter.
                    </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-bottom:0pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:3.64%;"> (7)
                    </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-bottom:0pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;width:96.36%;"> Represents company matching contribution to the Allianz Supplemental Asset Accumulation Plan for deferrals in excess of IRS compensation limit.
                    </td>
                </tr>

            </table>
          </div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;"><font style="text-decoration:underline;">Performance-Based
              Incentive Compensation Plans</font></div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;">AIP</div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;">The AIP is intended to provide an incentive that
            will encourage superior individual performance and encourage retention of employees who have demonstrated exceptional performance or who are anticipated to significantly contribute to long-term success. The AIP seeks to accomplish this purpose
            by providing a bonus opportunity to eligible employees who have made significant contributions during the plan year to the achievement of annual goals and objectives. The guidelines</div>
        </div>
        <div type="Block" style="margin-top:16pt;width:100%;">
          <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:0.5pt solid #000000;height:0.5pt;width:100%;">
          <div style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:13pt;margin-bottom:2pt;margin-top:2pt;text-align:center;text-decoration:none;text-transform:none;"> Allianz Index Advantage <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#174; </sup> New York Variable Annuity Prospectus &#8211; April 29, 2022 </div>
        </div>
        <div type="Block" style="margin-top:4pt;width:100%;">
          <div style="color:#000000;font-family:Arial;font-size:9pt;font-style:Normal;font-weight:bold;line-height:12pt;text-align:center;text-decoration:none;text-transform:none;">&#160;80&#160;</div>
        </div>
      </div>
      <div style="clear:both;font-size:12pt;height:0pt;">
      </div>
      <hr style="margin-bottom:0pt;">
      <p style="margin:0pt;page-break-before:always;">&#160;
      </p>
      <div style="width:100%;">
        <a name="xx_d0900dac-c33c-42ef-bf73-3b3047122839_28">
        </a>
        <div style="font-family:Arial;font-size:7pt;line-height:10pt;font-weight:Normal;text-transform:none;text-align:left;vertical-align:bottom;padding-bottom:10pt;">
          <a href="#JOB_Index_3271f810-de27-47d4-9b4d-756928a3a1d0_va-toc">
            Table of Contents
          </a>
        </div>
        <div type="Block" style="width:100%;">
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;text-align:left;text-decoration:none;text-transform:none;">for target awards are meant to be illustrative of competitive
            market bonuses for similar job levels in the marketplace. While the target awards may be used for illustrative, budget planning, or distribution scenarios, all bonus awards are discretionary and are in no way guaranteed.</div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;">The Compensation Committee or other duly
            authorized committee determines allocation of bonus awards to employees. With respect to &#8220;principal officers&#8221; for purposes of the NEC Committee&#8217;s duties, the NEC Committee recommends to Allianz Life&#8217;s Board of Directors awards for final
            approval.</div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;">AEI</div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;">The AEI is designed to recognize the
            participant&#8217;s continuous employment with Allianz Life over the relevant period and shall be an incentive to continue employment. Grants under the AEI will generally only be made if the participant is employed with Allianz Life at the date of
            grant. Payments will be made only if the participant remains employed with Allianz Life during the vesting period of the RSU, or leaves employment under circumstances set out in the AEI, including after retirement or early retirement
            eligibility, disability, or under certain other circumstances. The securities issuable under the AEI are RSUs. An RSU constitutes the right to receipt of the market value of Allianz SE common stock at the time of exercise. This amount will be
            paid in cash. RSUs are subject to a four-year vesting period. At the end of the four-year vesting period, the RSUs are exercised uniformly for all participants, provided they remain employed by Allianz Life, terminate after retirement or early
            retirement eligibility, or under certain other circumstances. Vesting and exercise may accelerate if a participant leaves employment under other &#8220;good leaver&#8221; circumstances set forth in the AEI. The grant at fair value cannot be greater than
            165% of a participant&#8217;s target amount. The maximum value of an exercise is an increase of 200% over the grant value (i.e., 300% of the grant value).</div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;"><font style="text-decoration:underline;">Grants of
              Plan-Based Awards</font></div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-bottom:2pt;margin-top:2pt;text-align:left;text-decoration:none;text-transform:none;"> The following table provides
              additional information about plan-based compensation disclosed in the Summary Compensation Table. This table includes both equity and non-equity awards granted for the year ended December 31, 2021, and charged to Allianz Life of New York
              based on the Allocation Percentage assigned to each NEO. </div>
          <div style="text-align:center;">
            <table cellspacing="0" cellpadding="0" id="zf79ef8b342f94c098c16455242fb4716" style="border-bottom:0.5pt solid #000000;border-collapse:collapse;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;margin-left:auto;margin-right:auto;margin-top:6pt;width:99.39%;">

                <tr style="page-break-inside:avoid;">
                  <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:1.5pt;padding-left:4pt; padding-right:6pt;padding-top:4pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:20.77%;"> Name <br>
                    <br>

                      (a)
                    </td>
                  <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:1.5pt;padding-left:6pt; padding-right:6pt;padding-top:4pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:11.32%;"> Grant Date <br>
                    <br>

                      (b)
                    </td>
                  <td colspan="3" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:1.5pt;padding-left:6pt; padding-right:6pt;padding-top:4pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:33.95%;"> Estimated Future Payouts Under Non-Equity Incentive Plan Awards <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> (1) </sup>
                  </td>
                  <td colspan="3" style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:1.5pt;padding-left:6pt;padding-right:4pt;padding-top:4pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:33.95%;"> Estimated Future Payouts Under Equity Incentive Plan Awards <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> (2,3) </sup>
                  </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:1.5pt;padding-left:6pt; padding-right:6pt;padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:11.32%;"> Threshold ($) <br>

                      (c)
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:1.5pt;padding-left:6pt; padding-right:6pt;padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:11.32%;"> Target ($) <br>

                      (d)
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:1.5pt;padding-left:6pt; padding-right:6pt;padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:11.32%;"> Maximum ($) <br>

                      (e)
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:1.5pt;padding-left:6pt; padding-right:6pt;padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:11.32%;"> Threshold ($) <br>

                      (f)
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:1.5pt;padding-left:6pt; padding-right:6pt;padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:11.32%;"> Target ($) <br>

                      (g)
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:1.5pt;padding-left:6pt;padding-right:4pt; padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:11.32%;"> Maximum ($) <br>

                      (h)
                    </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:4pt;padding-right:6pt; padding-top:1.5pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:20.77%;"> Walter R. White
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:6pt;padding-right:6pt; padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;width:11.32%;"> 3/4/2022
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;line-height:0pt;padding-right:6pt;padding-top:1.5pt;text-align:center;vertical-align:top;width:11.32%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;line-height:0pt;padding-right:6pt;padding-top:1.5pt;text-align:center;vertical-align:top;width:11.32%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;line-height:0pt;padding-right:6pt;padding-top:1.5pt;text-align:center;vertical-align:top;width:11.32%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;line-height:0pt;padding-right:6pt;padding-top:1.5pt;text-align:center;vertical-align:top;width:11.32%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;line-height:0pt;padding-right:6pt;padding-top:1.5pt;text-align:center;vertical-align:top;width:11.32%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-right:4pt;padding-top:1.5pt;text-align:center;vertical-align:top;width:11.32%;"> &#160;
                    </td>
                </tr>
                <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:4pt;padding-right:6pt; padding-top:1.5pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:20.77%;"> RSUs (under AEI)
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;line-height:0pt;padding-right:6pt;padding-top:1.5pt;text-align:center;vertical-align:top;width:11.32%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;line-height:0pt;padding-right:6pt;padding-top:1.5pt;text-align:center;vertical-align:top;width:11.32%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;line-height:0pt;padding-right:6pt;padding-top:1.5pt;text-align:center;vertical-align:top;width:11.32%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;line-height:0pt;padding-right:6pt;padding-top:1.5pt;text-align:center;vertical-align:top;width:11.32%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:6pt;padding-right:6pt; padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:11.32%;"> $0
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:6pt;padding-right:6pt; padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:11.32%;"> $77,859
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:6pt;padding-right:4pt;padding-top:1.5pt;text-align:center; text-decoration:none;text-transform:none;vertical-align:top;width:11.32%;"> $350,366
                    </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:4pt;padding-right:6pt; padding-top:1.5pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:20.77%;"> AIP Award
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;line-height:0pt;padding-right:6pt;padding-top:1.5pt;text-align:center;vertical-align:top;width:11.32%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:6pt;padding-right:6pt; padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:11.32%;"> $0
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:6pt;padding-right:6pt; padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:11.32%;"> $51,906
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:6pt;padding-right:6pt; padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;width:11.32%;"> $77,859
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;line-height:0pt;padding-right:6pt;padding-top:1.5pt;text-align:center;vertical-align:top;width:11.32%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;line-height:0pt;padding-right:6pt;padding-top:1.5pt;text-align:center;vertical-align:top;width:11.32%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-right:4pt;padding-top:1.5pt;text-align:center;vertical-align:top;width:11.32%;"> &#160;
                    </td>
                </tr>
                <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:4pt;padding-right:6pt; padding-top:1.5pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:20.77%;"> Jasmine M. Jirele
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:6pt;padding-right:6pt; padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:11.32%;"> 3/4/2022
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;line-height:0pt;padding-right:6pt;padding-top:1.5pt;text-align:center;vertical-align:top;width:11.32%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;line-height:0pt;padding-right:6pt;padding-top:1.5pt;text-align:center;vertical-align:top;width:11.32%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;line-height:0pt;padding-right:6pt;padding-top:1.5pt;text-align:center;vertical-align:top;width:11.32%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;line-height:0pt;padding-right:6pt;padding-top:1.5pt;text-align:center;vertical-align:top;width:11.32%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;line-height:0pt;padding-right:6pt;padding-top:1.5pt;text-align:center;vertical-align:top;width:11.32%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-right:4pt;padding-top:1.5pt;text-align:center;vertical-align:top;width:11.32%;"> &#160;
                    </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:4pt;padding-right:6pt; padding-top:1.5pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:20.77%;"> RSUs (under AEI)
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;line-height:0pt;padding-right:6pt;padding-top:1.5pt;text-align:center;vertical-align:top;width:11.32%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;line-height:0pt;padding-right:6pt;padding-top:1.5pt;text-align:center;vertical-align:top;width:11.32%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;line-height:0pt;padding-right:6pt;padding-top:1.5pt;text-align:center;vertical-align:top;width:11.32%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;line-height:0pt;padding-right:6pt;padding-top:1.5pt;text-align:center;vertical-align:top;width:11.32%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:6pt;padding-right:6pt; padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:11.32%;"> $0
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:6pt;padding-right:6pt; padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:11.32%;"> $21,073
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:6pt;padding-right:4pt;padding-top:1.5pt;text-align:center; text-decoration:none;text-transform:none;vertical-align:top;width:11.32%;"> $ 94,830
                    </td>
                </tr>
                <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:4pt;padding-right:6pt; padding-top:1.5pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:20.77%;"> AIP Award
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;line-height:0pt;padding-right:6pt;padding-top:1.5pt;text-align:center;vertical-align:top;width:11.32%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:6pt;padding-right:6pt; padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:11.32%;"> $0
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:6pt;padding-right:6pt; padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:11.32%;"> $14,049
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:6pt;padding-right:6pt; padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:11.32%;"> $21,073
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;line-height:0pt;padding-right:6pt;padding-top:1.5pt;text-align:center;vertical-align:top;width:11.32%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;line-height:0pt;padding-right:6pt;padding-top:1.5pt;text-align:center;vertical-align:top;width:11.32%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-right:4pt;padding-top:1.5pt;text-align:center;vertical-align:top;width:11.32%;"> &#160;
                    </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:4pt;padding-right:6pt; padding-top:1.5pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:20.77%;"> William E. Gaumond
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:6pt;padding-right:6pt; padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;width:11.32%;"> 3/4/2022
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;line-height:0pt;padding-right:6pt;padding-top:1.5pt;text-align:center;vertical-align:top;width:11.32%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;line-height:0pt;padding-right:6pt;padding-top:1.5pt;text-align:center;vertical-align:top;width:11.32%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;line-height:0pt;padding-right:6pt;padding-top:1.5pt;text-align:center;vertical-align:top;width:11.32%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;line-height:0pt;padding-right:6pt;padding-top:1.5pt;text-align:center;vertical-align:top;width:11.32%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;line-height:0pt;padding-right:6pt;padding-top:1.5pt;text-align:center;vertical-align:top;width:11.32%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-right:4pt;padding-top:1.5pt;text-align:center;vertical-align:top;width:11.32%;"> &#160;
                    </td>
                </tr>
                <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:4pt;padding-right:6pt; padding-top:1.5pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:20.77%;"> RSUs (under AEI)
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;line-height:0pt;padding-right:6pt;padding-top:1.5pt;text-align:center;vertical-align:top;width:11.32%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;line-height:0pt;padding-right:6pt;padding-top:1.5pt;text-align:center;vertical-align:top;width:11.32%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;line-height:0pt;padding-right:6pt;padding-top:1.5pt;text-align:center;vertical-align:top;width:11.32%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;line-height:0pt;padding-right:6pt;padding-top:1.5pt;text-align:center;vertical-align:top;width:11.32%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:6pt;padding-right:6pt; padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:11.32%;"> $0
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:6pt;padding-right:6pt; padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;width:11.32%;"> $25,699
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:6pt;padding-right:4pt;padding-top:1.5pt;text-align:center; text-decoration:none;text-transform:none;vertical-align:top;width:11.32%;"> $ 115,644
                    </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:4pt;padding-right:6pt; padding-top:1.5pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:20.77%;"> AIP Award
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;line-height:0pt;padding-right:6pt;padding-top:1.5pt;text-align:center;vertical-align:top;width:11.32%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:6pt;padding-right:6pt; padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:11.32%;"> $0
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:6pt;padding-right:6pt; padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;width:11.32%;"> $17,132
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:6pt;padding-right:6pt; padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;width:11.32%;"> $25,699
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;line-height:0pt;padding-right:6pt;padding-top:1.5pt;text-align:center;vertical-align:top;width:11.32%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;line-height:0pt;padding-right:6pt;padding-top:1.5pt;text-align:center;vertical-align:top;width:11.32%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-right:4pt;padding-top:1.5pt;text-align:center;vertical-align:top;width:11.32%;"> &#160;
                    </td>
                </tr>
                <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:4pt;padding-right:6pt; padding-top:1.5pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:20.77%;"> Neil H. McKay
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:6pt;padding-right:6pt; padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:11.32%;"> 3/4/2022
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;line-height:0pt;padding-right:6pt;padding-top:1.5pt;text-align:center;vertical-align:top;width:11.32%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;line-height:0pt;padding-right:6pt;padding-top:1.5pt;text-align:center;vertical-align:top;width:11.32%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;line-height:0pt;padding-right:6pt;padding-top:1.5pt;text-align:center;vertical-align:top;width:11.32%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;line-height:0pt;padding-right:6pt;padding-top:1.5pt;text-align:center;vertical-align:top;width:11.32%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;line-height:0pt;padding-right:6pt;padding-top:1.5pt;text-align:center;vertical-align:top;width:11.32%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-right:4pt;padding-top:1.5pt;text-align:center;vertical-align:top;width:11.32%;"> &#160;
                    </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:4pt;padding-right:6pt; padding-top:1.5pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:20.77%;"> RSUs (under AEI)
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;line-height:0pt;padding-right:6pt;padding-top:1.5pt;text-align:center;vertical-align:top;width:11.32%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;line-height:0pt;padding-right:6pt;padding-top:1.5pt;text-align:center;vertical-align:top;width:11.32%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;line-height:0pt;padding-right:6pt;padding-top:1.5pt;text-align:center;vertical-align:top;width:11.32%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;line-height:0pt;padding-right:6pt;padding-top:1.5pt;text-align:center;vertical-align:top;width:11.32%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:6pt;padding-right:6pt; padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:11.32%;"> $0
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:6pt;padding-right:6pt; padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:11.32%;"> $27,540
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:6pt;padding-right:4pt;padding-top:1.5pt;text-align:center; text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:11.32%;"> $123,930
                    </td>
                </tr>
                <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-bottom:3pt;padding-left:4pt; padding-right:6pt;padding-top:1.5pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:20.77%;"> AIP Award
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;line-height:0pt;padding-bottom:3pt;padding-right:6pt;padding-top:1.5pt;text-align:center;vertical-align:top;width:11.32%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-bottom:3pt;padding-left:6pt; padding-right:6pt;padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:11.32%;"> $0
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-bottom:3pt;padding-left:6pt; padding-right:6pt;padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:11.32%;"> $18,360
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-bottom:3pt;padding-left:6pt; padding-right:6pt;padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:11.32%;"> $27,540
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;line-height:0pt;padding-bottom:3pt;padding-right:6pt;padding-top:1.5pt;text-align:center;vertical-align:top;width:11.32%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;line-height:0pt;padding-bottom:3pt;padding-right:6pt;padding-top:1.5pt;text-align:center;vertical-align:top;width:11.32%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-bottom:3pt;padding-right:4pt;padding-top:1.5pt;text-align:center;vertical-align:top;width:11.32%;"> &#160;
                    </td>
                </tr>

            </table>
          </div>
          <div style="text-align:left;">
            <table cellspacing="0" cellpadding="1" id="z9a4ede3bc2cc40a28984cc8d0ffa0541" style="border-collapse:collapse;empty-cells:show;margin-top:9pt;width:100%;">

                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:3.64%;"> (1)
                    </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:96.36%;"> The target and maximum columns show the target award and maximum award for 2021 for each NEO under the AIP. There is no threshold amount for any participant in the AIP. The actual 2021 awards granted to the NEOs are
                      listed in the Non-Equity Incentive Compensation column of the Summary Compensation Table. AIP target and maximum awards are a pre-designated percentage of base salary determined at the executive&#8217;s level.
                    </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:3.64%;"> (2)
                    </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:96.36%;"> RSUs have a vesting schedule as disclosed in the footnotes to the Summary Compensation Table. See &#8220;Outstanding Equity Awards at December 31, 2021&#8221; for disclosure regarding the number of RSUs that are unvested as of
                      December 31, 2021.
                    </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-bottom:0pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:3.64%;"> (3)
                    </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-bottom:0pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;width:96.36%;"> The target and maximum columns show the target award and maximum award for 2021 for each NEO under the AEI. There is no threshold amount for any participant in the AEI. The actual 2021 awards granted
                      to the NEOs are listed in the Stock Awards column of the Summary Compensation Table.
                    </td>
                </tr>

            </table>
          </div>
        </div>
        <div type="Block" style="margin-top:86pt;width:100%;">
          <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:0.5pt solid #000000;height:0.5pt;width:100%;">
          <div style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:13pt;margin-bottom:2pt;margin-top:2pt;text-align:center;text-decoration:none;text-transform:none;"> Allianz Index Advantage <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#174; </sup> New York Variable Annuity Prospectus &#8211; April 29, 2022 </div>
        </div>
        <div type="Block" style="margin-top:4pt;width:100%;">
          <div style="color:#000000;font-family:Arial;font-size:9pt;font-style:Normal;font-weight:bold;line-height:12pt;text-align:center;text-decoration:none;text-transform:none;">&#160;81&#160;</div>
        </div>
      </div>
      <div style="clear:both;font-size:12pt;height:0pt;">
      </div>
      <hr style="margin-bottom:0pt;">
      <p style="margin:0pt;page-break-before:always;">&#160;
      </p>
      <div style="width:100%;">
        <a name="xx_d0900dac-c33c-42ef-bf73-3b3047122839_29">
        </a>
        <div style="font-family:Arial;font-size:7pt;line-height:10pt;font-weight:Normal;text-transform:none;text-align:left;vertical-align:bottom;padding-bottom:10pt;">
          <a href="#JOB_Index_3271f810-de27-47d4-9b4d-756928a3a1d0_va-toc">
            Table of Contents
          </a>
        </div>
        <div type="Block" style="width:100%;">
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;margin-bottom:2pt;margin-top:2pt;text-align:left;text-decoration:none;text-transform:none;"><font style="text-decoration:underline;"> Outstanding Equity Awards at December 31, 2021 </font></div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;"> The following table sets forth the outstanding
              equity awards at the December 31, 2021 fiscal year-end. The table shows RSUs granted pursuant to the AEI, based on the Allocation Percentage assigned to each NEO. </div>
          <div style="text-align:center;">
            <table cellspacing="0" cellpadding="0" id="z0c9ace3b7b9e471fa0b566424c9e927c" style="border-bottom:0.5pt solid #000000;border-collapse:collapse;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;margin-left:auto;margin-right:auto;margin-top:6pt;width:99.39%;">

                <tr style="page-break-inside:avoid;">
                  <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:1.5pt;padding-left:4pt; padding-right:6pt;padding-top:4pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:20.77%;"> Name <br>
                    <br>

                      (a)
                    </td>
                  <td colspan="2" style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:1.5pt;padding-left:6pt;padding-right:4pt;padding-top:4pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;white-space:nowrap;width:79.23%;"> RSUs
                    </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:1.5pt;padding-left:6pt; padding-right:6pt;padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:39.61%;"> Number of RSUs <br>

                      That Have Not <br>

                      Vested <br>

                      (g) <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> (1,2) </sup>
                  </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:1.5pt;padding-left:6pt;padding-right:4pt; padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:39.61%;"> Market Value of <br>

                      RSUs That Have <br>

                      Not Vested <br>

                      (h) <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> (3) </sup>
                  </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:4pt;padding-right:6pt;padding-top:1.5pt;text-align:left; text-decoration:none;text-transform:none;vertical-align:top;width:20.77%;"> Walter R. White
                    </td>
                  <td style="border-right:0.5pt solid #000000;line-height:0pt;padding-right:6pt;padding-top:1.5pt;text-align:center;vertical-align:top;width:39.61%;"> &#160;
                    </td>
                  <td style="line-height:0pt;padding-right:4pt;padding-top:1.5pt;text-align:center;vertical-align:top;width:39.61%;"> &#160;
                    </td>
                </tr>
                <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                  <td style="border-right:0.5pt solid #000000;line-height:8pt;padding-right:6pt;padding-top:1.5pt;text-align:left;vertical-align:top;width:20.77%;"> &#160;
                    </td>
                  <td style="border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:6pt;padding-right:6pt;padding-top:1.5pt;text-align:center; text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:39.61%;"> 351.500
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:6pt;padding-right:4pt;padding-top:1.5pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;width:39.61%;"> $81,896
                    </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="border-right:0.5pt solid #000000;line-height:8pt;padding-right:6pt;padding-top:1.5pt;text-align:left;vertical-align:top;width:20.77%;"> &#160;
                    </td>
                  <td style="border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:6pt;padding-right:6pt;padding-top:1.5pt;text-align:center; text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:39.61%;"> 261.950
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:6pt;padding-right:4pt;padding-top:1.5pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;width:39.61%;"> $61,032
                    </td>
                </tr>
                <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                  <td style="border-right:0.5pt solid #000000;line-height:8pt;padding-right:6pt;padding-top:1.5pt;text-align:left;vertical-align:top;width:20.77%;"> &#160;
                    </td>
                  <td style="border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:6pt;padding-right:6pt;padding-top:1.5pt;text-align:center; text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:39.61%;"> 304.850
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:6pt;padding-right:4pt;padding-top:1.5pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;width:39.61%;"> $71,027
                    </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;line-height:8pt;padding-right:6pt;padding-top:1.5pt;text-align:left;vertical-align:top;width:20.77%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:6pt;padding-right:6pt; padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:39.61%;"> 406.950
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:6pt;padding-right:4pt;padding-top:1.5pt;text-align:center; text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:39.61%;"> $94,815
                    </td>
                </tr>
                <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                  <td style="border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:4pt;padding-right:6pt;padding-top:1.5pt;text-align:left; text-decoration:none;text-transform:none;vertical-align:top;width:20.77%;"> Jasmine M. Jirele
                    </td>
                  <td style="border-right:0.5pt solid #000000;line-height:0pt;padding-right:6pt;padding-top:1.5pt;text-align:center;vertical-align:top;width:39.61%;"> &#160;
                    </td>
                  <td style="line-height:0pt;padding-right:4pt;padding-top:1.5pt;text-align:center;vertical-align:top;width:39.61%;"> &#160;
                    </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="border-right:0.5pt solid #000000;line-height:8pt;padding-right:6pt;padding-top:1.5pt;text-align:left;vertical-align:top;width:20.77%;"> &#160;
                    </td>
                  <td style="border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:13.30pt;padding-right:6pt;padding-top:1.5pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:39.61%;"> 0.000
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:6pt;padding-right:4pt;padding-top:1.5pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;width:39.61%;"> $ 0
                    </td>
                </tr>
                <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                  <td style="border-right:0.5pt solid #000000;line-height:8pt;padding-right:6pt;padding-top:1.5pt;text-align:left;vertical-align:top;width:20.77%;"> &#160;
                    </td>
                  <td style="border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:9.65pt;padding-right:6pt;padding-top:1.5pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:39.61%;"> 73.350
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:6pt;padding-right:4pt;padding-top:1.5pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:39.61%;"> $17,090
                    </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="border-right:0.5pt solid #000000;line-height:8pt;padding-right:6pt;padding-top:1.5pt;text-align:left;vertical-align:top;width:20.77%;"> &#160;
                    </td>
                  <td style="border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:9.65pt;padding-right:6pt;padding-top:1.5pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:39.61%;"> 94.300
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:6pt;padding-right:4pt;padding-top:1.5pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:39.61%;"> $21,971
                    </td>
                </tr>
                <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;line-height:8pt;padding-right:6pt;padding-top:1.5pt;text-align:left;vertical-align:top;width:20.77%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:6pt;padding-right:6pt; padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:39.61%;"> 120.350
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:6pt;padding-right:4pt;padding-top:1.5pt;text-align:center; text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:39.61%;"> $28,040
                    </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:4pt;padding-right:6pt;padding-top:1.5pt;text-align:left; text-decoration:none;text-transform:none;vertical-align:top;width:20.77%;"> William E. Gaumond
                    </td>
                  <td style="border-right:0.5pt solid #000000;line-height:0pt;padding-right:6pt;padding-top:1.5pt;text-align:center;vertical-align:top;width:39.61%;"> &#160;
                    </td>
                  <td style="line-height:0pt;padding-right:4pt;padding-top:1.5pt;text-align:center;vertical-align:top;width:39.61%;"> &#160;
                    </td>
                </tr>
                <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                  <td style="border-right:0.5pt solid #000000;line-height:8pt;padding-right:6pt;padding-top:1.5pt;text-align:left;vertical-align:top;width:20.77%;"> &#160;
                    </td>
                  <td style="border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:6pt;padding-right:6pt;padding-top:1.5pt;text-align:center; text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:39.61%;"> 101.950
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:6pt;padding-right:4pt;padding-top:1.5pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;width:39.61%;"> $23,753
                    </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="border-right:0.5pt solid #000000;line-height:8pt;padding-right:6pt;padding-top:1.5pt;text-align:left;vertical-align:top;width:20.77%;"> &#160;
                    </td>
                  <td style="border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:9.65pt;padding-right:6pt;padding-top:1.5pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:39.61%;"> 76.900
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:6pt;padding-right:4pt;padding-top:1.5pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;width:39.61%;"> $17,917
                    </td>
                </tr>
                <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                  <td style="border-right:0.5pt solid #000000;line-height:8pt;padding-right:6pt;padding-top:1.5pt;text-align:left;vertical-align:top;width:20.77%;"> &#160;
                    </td>
                  <td style="border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:9.65pt;padding-right:6pt;padding-top:1.5pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:39.61%;"> 97.400
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:6pt;padding-right:4pt;padding-top:1.5pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;width:39.61%;"> $22,693
                    </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;line-height:8pt;padding-right:6pt;padding-top:1.5pt;text-align:left;vertical-align:top;width:20.77%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:6pt;padding-right:6pt; padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:39.61%;"> 123.150
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:6pt;padding-right:4pt;padding-top:1.5pt;text-align:center; text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:39.61%;"> $28,693
                    </td>
                </tr>
                <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                  <td style="border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:4pt;padding-right:6pt;padding-top:1.5pt;text-align:left; text-decoration:none;text-transform:none;vertical-align:top;width:20.77%;"> Neil H. McKay
                    </td>
                  <td style="border-right:0.5pt solid #000000;line-height:0pt;padding-right:6pt;padding-top:1.5pt;text-align:center;vertical-align:top;width:39.61%;"> &#160;
                    </td>
                  <td style="line-height:0pt;padding-right:4pt;padding-top:1.5pt;text-align:center;vertical-align:top;width:39.61%;"> &#160;
                    </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="border-right:0.5pt solid #000000;line-height:8pt;padding-right:6pt;padding-top:1.5pt;text-align:left;vertical-align:top;width:20.77%;"> &#160;
                    </td>
                  <td style="border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:6.48pt;padding-right:6pt;padding-top:1.5pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:39.61%;"> 110.150
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:6pt;padding-right:4pt;padding-top:1.5pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:39.61%;"> $25,664
                    </td>
                </tr>
                <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                  <td style="border-right:0.5pt solid #000000;line-height:8pt;padding-right:6pt;padding-top:1.5pt;text-align:left;vertical-align:top;width:20.77%;"> &#160;
                    </td>
                  <td style="border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:9.65pt;padding-right:6pt;padding-top:1.5pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:39.61%;"> 86.550
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:6pt;padding-right:4pt;padding-top:1.5pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:39.61%;"> $20,165
                    </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="border-right:0.5pt solid #000000;line-height:8pt;padding-right:6pt;padding-top:1.5pt;text-align:left;vertical-align:top;width:20.77%;"> &#160;
                    </td>
                  <td style="border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:6pt;padding-right:6pt;padding-top:1.5pt;text-align:center; text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:39.61%;"> 106.150
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:6pt;padding-right:4pt;padding-top:1.5pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:39.61%;"> $24,732
                    </td>
                </tr>
                <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                  <td style="border-right:0.5pt solid #000000;line-height:8pt;padding-bottom:3pt;padding-right:6pt;padding-top:1.5pt;text-align:left;vertical-align:top;width:20.77%;"> &#160;
                    </td>
                  <td style="border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-bottom:3pt;padding-left:6pt;padding-right:6pt;padding-top:1.5pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:39.61%;"> 125.150
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-bottom:3pt;padding-left:6pt;padding-right:4pt;padding-top:1.5pt;text-align:center; text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:39.61%;"> $29,159
                    </td>
                </tr>

            </table>
          </div>
          <div style="text-align:left;">
            <table cellspacing="0" cellpadding="1" id="z9bf1a34311c34d8f84743999286cebad" style="border-collapse:collapse;empty-cells:show;margin-top:9pt;width:100%;">

                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:3.64%;"> (1)
                    </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:96.36%;"> Represents unvested RSUs issued pursuant to the AEI. RSUs issued under the AEI during 2021 are subject to a four-year vesting period from the grant date. At the end of the respective vesting period, the RSUs are
                      exercised uniformly for all participants, provided they remain employed by Allianz Life or terminate after retirement or early retirement eligibility, or under certain other circumstances. Vesting and exercise may accelerate if a
                      participant leaves employment under other &#8220;good leaver&#8221; circumstances set forth in the AEI.
                    </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:3.64%;"> (2)
                    </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:96.36%;"> For each of the NEOs, the number of RSUs listed on the first line were exercised in 2022, the RSUs listed on the second line will exercise in 2023, the RSUs listed on the third line will exercise in 2024, and the RSUs
                      listed on the fourth line will exercise in 2025.
                    </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-bottom:0pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:3.64%;"> (3)
                    </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-bottom:0pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;width:96.36%;"> Based on an assumed stock price of $232.99 per share, which was the arithmetic average of the closing prices of an Allianz SE share in the electronic cash market trading system Xetra (or any
                      successor system) on December 30, 2021 and the nine immediately preceding trading days, converted from Euros into U.S. dollars.
                    </td>
                </tr>

            </table>
          </div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;margin-bottom:2pt;margin-top:2pt;text-align:left;text-decoration:none;text-transform:none;"><font style="text-decoration:underline;"> Allianz SE Option Exercises and Stock Grants Vested in 2021 </font></div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;"> The following table summarizes the value
              received from Allianz SE stock grants vested during the year ended December 31, 2021, and charged to Allianz Life of New York based on the Allocation Percentage assigned to each NEO. </div>
          <div style="text-align:center;">
            <table cellspacing="0" cellpadding="0" id="zd451a0e89f77459497991efa468fd11c" style="border-bottom:0.5pt solid #000000;border-collapse:collapse;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;margin-left:auto;margin-right:auto;margin-top:6pt;width:99.39%;">

                <tr style="page-break-inside:avoid;">
                  <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:1.5pt;padding-left:4pt; padding-right:6pt;padding-top:4pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;white-space:nowrap;width:20.77%;"> Name
                    </td>
                  <td colspan="2" style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:1.5pt;padding-left:6pt;padding-right:4pt;padding-top:4pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:79.23%;"> Stock Awards
                    </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:1.5pt;padding-left:6pt; padding-right:6pt;padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:39.61%;"> Number of <br>

                      Shares <br>

                      Acquired <br>

                      on Vesting (#)
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:1.5pt;padding-left:6pt;padding-right:4pt; padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:39.61%;"> Value Realized <br>

                      on Vesting ($) <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> (1) </sup>
                  </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:4pt;padding-right:6pt; padding-top:1.5pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:20.77%;"> Walter R. White
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:6pt;padding-right:6pt; padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:39.61%;"> 408.050
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:6pt;padding-right:4pt;padding-top:1.5pt;text-align:center; text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:39.61%;"> 100,227
                    </td>
                </tr>
                <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:4pt;padding-right:6pt; padding-top:1.5pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:20.77%;"> Jasmine M. Jirele
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:13.30pt; padding-right:6pt;padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:39.61%;"> 0.000
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:27.54pt;padding-right:4pt;padding-top:1.5pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:39.61%;"> -
                    </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:4pt;padding-right:6pt; padding-top:1.5pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:20.77%;"> William E. Gaumond
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:9.65pt;padding-right:6pt; padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:39.61%;"> 72.600
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:9.65pt;padding-right:4pt;padding-top:1.5pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:39.61%;"> 17,832
                    </td>
                </tr>
                <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:3pt;padding-left:4pt; padding-right:6pt;padding-top:1.5pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:20.77%;"> Neil H. McKay
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-bottom:3pt;padding-left:6pt; padding-right:6pt;padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:39.61%;"> 127.500
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-bottom:3pt;padding-left:9.65pt;padding-right:4pt; padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:39.61%;"> 31,317
                    </td>
                </tr>

            </table>
          </div>
          <div style="text-align:left;">
            <table cellspacing="0" cellpadding="0" id="zb0137815bf5e4e96aa84c044a98d8e74" style="border-collapse:collapse;empty-cells:show;margin-top:9pt;width:100%;">

                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:3.64%;"> (1)
                    </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:96.36%;"> Represents Allianz SE RSUs that were exercised during 2021 pursuant to the AEI. Amounts realized were paid in cash.
                    </td>
                </tr>

            </table>
          </div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;"><font style="text-decoration:underline;">Allianz
              Life Executive Severance Agreement</font></div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-bottom:2pt;margin-top:2pt;text-align:left;text-decoration:none;text-transform:none;"> Allianz Life entered into an
              Executive Severance Agreement with its former Chief Executive Officer, Walter R. White, with an expiration date of December 31, 2021. The severance arrangements for Mr. White were prescribed by the Executive Severance Agreement. </div>
        </div>
        <div type="Block" style="margin-top:14pt;width:100%;">
          <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:0.5pt solid #000000;height:0.5pt;width:100%;">
          <div style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:13pt;margin-bottom:2pt;margin-top:2pt;text-align:center;text-decoration:none;text-transform:none;"> Allianz Index Advantage <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#174; </sup> New York Variable Annuity Prospectus &#8211; April 29, 2022 </div>
        </div>
        <div type="Block" style="margin-top:4pt;width:100%;">
          <div style="color:#000000;font-family:Arial;font-size:9pt;font-style:Normal;font-weight:bold;line-height:12pt;text-align:center;text-decoration:none;text-transform:none;">&#160;82&#160;</div>
        </div>
      </div>
      <div style="clear:both;font-size:12pt;height:0pt;">
      </div>
      <hr style="margin-bottom:0pt;">
      <p style="margin:0pt;page-break-before:always;">&#160;
      </p>
      <div style="width:100%;">
        <a name="xx_d0900dac-c33c-42ef-bf73-3b3047122839_30">
        </a>
        <div style="font-family:Arial;font-size:7pt;line-height:10pt;font-weight:Normal;text-transform:none;text-align:left;vertical-align:bottom;padding-bottom:10pt;">
          <a href="#JOB_Index_3271f810-de27-47d4-9b4d-756928a3a1d0_va-toc">
            Table of Contents
          </a>
        </div>
        <div type="Block" style="width:100%;">
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-bottom:2pt;margin-top:2pt;text-align:left;text-decoration:none;text-transform:none; "> Pursuant to the Executive Severance Agreement, Mr. White was entitled to a lump sum cash payment of $86,510 upon separation based on the allocated percentage of compensation charged to Allianz Life of New York upon separation in the event
              he was terminated without &#8220;cause&#8221;, which is defined as engaging in conduct detrimental to the best interests of the Company (including, but not limited to, certain specified acts such as commission of a felony, theft, dishonesty, fraud or
              embezzlement) in the Executive Severance Agreement. In addition, pursuant to the Executive Severance Agreement, Mr. White was also bound by other restrictive covenants, including covenants relating to confidentiality and non-disparagement.
              Mr. White would also be entitled to continuation of medical and dental coverage at the employee premium rates for a period of 18 months following termination if Mr. White timely elected continuation and paid the required premiums. </div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;">The remainder of our NEOs are eligible for
            severance payments under the Executive Severance Plan if they experience a qualifying termination of employment and otherwise satisfy the conditions set forth in the applicable plan. The terms of this plan are set forth below.</div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;"><font style="text-decoration:underline;">Executive
              Severance Plan</font></div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;">Executive officers who have the title of Senior
            Vice President or above and report directly to a senior executive officer at a specific level are eligible to receive severance benefits under the Executive Severance Plan if they experience a qualifying termination of employment, meaning an
            involuntary termination for any reason other than for &#8220;cause&#8221; with no offer of an equivalent position, and otherwise satisfy the conditions set forth in the plan. The purpose of the Executive Severance Plan is to provide severance benefits to
            executive officers whose employment is involuntarily terminated in a qualifying termination of employment in order to assist with job transition. Pursuant to the Executive Severance Plan, eligible executive officers who are involuntarily
            terminated in a qualifying termination of employment will receive a lump sum cash payment equal to one and one-half times their &#8220;annual base pay&#8221; in effect at the time of termination. Annual base pay, for purposes of this agreement, equals base
            salary and excludes special payments, such as bonuses, expense reimbursements, living, or other allowances. Eligible executive officers would also be entitled to continuation of medical and dental coverage at employee premium rates for a period
            of 18 months following termination, if the executive officer timely elects continuation coverage and pays the required premiums.</div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-bottom:2pt;margin-top:2pt;text-align:left;text-decoration:none;text-transform:none;"> The following table shows
              the portion of the lump sum payments that would have been allocated to Allianz Life of New York based on each NEO&#8217;s Allocation Percentage and payable to each of our NEOs had they been terminated on December 31, 2021 and been eligible for
              severance payments pursuant to the Executive Severance Plan. </div>
          <div style="text-align:center;">
            <table cellspacing="0" cellpadding="0" id="z0bc3603b2ceb400ca2fd75b6289a0e08" style="border-bottom:0.5pt solid #000000;border-collapse:collapse;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;margin-left:auto;margin-right:auto;margin-top:6pt;width:52.83%;">

                <tr style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:1.5pt;padding-left:4pt; padding-right:6pt;padding-top:4pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;white-space:nowrap;width:48.85%;"> NEOs
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:1.5pt;padding-left:6pt;padding-right:4pt;padding-top:4pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:51.15%;"> Lump Sum Payment
                    </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:4pt;padding-right:6pt; padding-top:1.5pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:48.85%;"> Walter R. White <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> (1) </sup>
                  </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:6pt;padding-right:4pt;padding-top:1.5pt;text-align:center; text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:51.15%;"> $86,510
                    </td>
                </tr>
                <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:4pt;padding-right:6pt; padding-top:1.5pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:48.85%;"> Jasmine M. Jirele
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:6pt;padding-right:4pt;padding-top:1.5pt;text-align:center; text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:51.15%;"> $28,125
                    </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:4pt;padding-right:6pt; padding-top:1.5pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:48.85%;"> William E. Gaumond
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:6pt;padding-right:4pt;padding-top:1.5pt;text-align:center; text-decoration:none;text-transform:none;vertical-align:top;width:51.15%;"> $35,693
                    </td>
                </tr>
                <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:4pt;padding-left:4pt; padding-right:6pt;padding-top:1.5pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:48.85%;"> Neil H. McKay
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-bottom:4pt;padding-left:6pt;padding-right:4pt; padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:51.15%;"> $38,250
                    </td>
                </tr>

            </table>
          </div>
          <div style="text-align:left;">
            <table cellspacing="0" cellpadding="0" id="z775aba4426f54366aff8f97dcc834833" style="border-collapse:collapse;empty-cells:show;margin-top:9pt;width:100%;">

                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:3.64%;">(1)
                  </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:96.36%;">Mr. White is not eligible to receive payments pursuant to the Executive Severance Plan. See &#8220;Allianz Life Executive Severance Agreement&#8221; for information regarding severance payments that Mr. White is eligible to receive
                    upon termination of service.
                  </td>
                </tr>

            </table>
          </div>
        </div>
        <div type="Block" style="margin-top:213pt;width:100%;">
          <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:0.5pt solid #000000;height:0.5pt;width:100%;">
          <div style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:13pt;margin-bottom:2pt;margin-top:2pt;text-align:center;text-decoration:none;text-transform:none;"> Allianz Index Advantage <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#174; </sup> New York Variable Annuity Prospectus &#8211; April 29, 2022 </div>
        </div>
        <div type="Block" style="margin-top:4pt;width:100%;">
          <div style="color:#000000;font-family:Arial;font-size:9pt;font-style:Normal;font-weight:bold;line-height:12pt;text-align:center;text-decoration:none;text-transform:none;">&#160;83&#160;</div>
        </div>
      </div>
      <div style="clear:both;font-size:12pt;height:0pt;">
      </div>
      <hr style="margin-bottom:0pt;">
      <p style="margin:0pt;page-break-before:always;">&#160;
      </p>
      <div style="width:100%;">
        <a name="xx_d0900dac-c33c-42ef-bf73-3b3047122839_31">
        </a>
        <div style="font-family:Arial;font-size:7pt;line-height:10pt;font-weight:Normal;text-transform:none;text-align:left;vertical-align:bottom;padding-bottom:10pt;">
          <a href="#JOB_Index_3271f810-de27-47d4-9b4d-756928a3a1d0_va-toc">
            Table of Contents
          </a>
        </div>
        <div type="Block" style="width:100%;">
          <div style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;"><font style="text-decoration:underline;">Director
              Compensation</font></div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-bottom:2pt;margin-top:2pt;text-align:left;text-decoration:none;text-transform:none;"> The following table provides
              information on compensation paid to the directors of Allianz Life of New York for the year ended December 31, 2021. </div>
          <div style="text-align:center;">
            <table cellspacing="0" cellpadding="0" id="z6759c7d00f574e32a5e257b8c79b6452" style="border-bottom:0.5pt solid #000000;border-collapse:collapse;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;margin-left:auto;margin-right:auto;margin-top:6pt;width:99.39%;">

                <tr style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:1.5pt;padding-left:4pt; padding-right:6pt;padding-top:4pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:20.77%;"> Name <br>

                      (a)
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:1.5pt;padding-left:6pt; padding-right:6pt;padding-top:4pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:39.61%;"> Fees Earned or <br>

                      Paid in Cash <br>

                      ($) <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> (1) </sup><br>

                      (b)
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:1.5pt;padding-left:6pt;padding-right:4pt;padding-top:4pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:39.61%;"> Total <br>

                      ($) <br>

                      (h)
                    </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:4pt;padding-right:6pt; padding-top:1.5pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:20.77%;"> Jasmine M. Jirele <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> (2) </sup><br>

                      Chair and Chief Executive Officer
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:6pt;padding-right:6pt; padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:39.61%;"> N/A
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:6pt;padding-right:4pt;padding-top:1.5pt;text-align:center; text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:39.61%;"> N/A
                    </td>
                </tr>
                <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:4pt;padding-right:6pt; padding-top:1.5pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:20.77%;"> William E. Gaumond <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> (2) </sup><br>

                      Chief Financial Officer and Treasurer
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:6pt;padding-right:6pt; padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:39.61%;"> N/A
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:6pt;padding-right:4pt;padding-top:1.5pt;text-align:center; text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:39.61%;"> N/A
                    </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:4pt;padding-right:6pt; padding-top:1.5pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:20.77%;"> Eric J. Thomes <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> (2) </sup><br>

                      President
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:6pt;padding-right:6pt; padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:39.61%;"> N/A
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:6pt;padding-right:4pt;padding-top:1.5pt;text-align:center; text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:39.61%;"> N/A
                    </td>
                </tr>
                <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:4pt;padding-right:6pt; padding-top:1.5pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:20.77%;"> Steven J. Thiel <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> (2) </sup><br>

                      Vice President, Appointed Actuary
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:6pt;padding-right:6pt; padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:39.61%;"> N/A
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:6pt;padding-right:4pt;padding-top:1.5pt;text-align:center; text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:39.61%;"> N/A
                    </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:4pt;padding-right:6pt; padding-top:1.5pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:20.77%;"> Lorraine Lods <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> (2) </sup><br>

                      Non-Independent Director
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:6pt;padding-right:6pt; padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:39.61%;"> N/A
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:6pt;padding-right:4pt;padding-top:1.5pt;text-align:center; text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:39.61%;"> N/A
                    </td>
                </tr>
                <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:4pt;padding-right:6pt; padding-top:1.5pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:20.77%;"> Ronald M. Clark <br>

                      Independent Director
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:6pt;padding-right:6pt; padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;width:39.61%;"> $30,000
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:6pt;padding-right:4pt;padding-top:1.5pt;text-align:center; text-decoration:none;text-transform:none;vertical-align:top;width:39.61%;"> $30,000
                    </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:4pt;padding-right:6pt; padding-top:1.5pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:20.77%;"> Martha Clark Goss <br>

                      Independent Director
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:6pt;padding-right:6pt; padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;width:39.61%;"> $45,000
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:6pt;padding-right:4pt;padding-top:1.5pt;text-align:center; text-decoration:none;text-transform:none;vertical-align:top;width:39.61%;"> $45,000
                    </td>
                </tr>
                <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:4pt;padding-right:6pt; padding-top:1.5pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:20.77%;"> Gary A. Smith <br>

                      Non-Independent Director
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:6pt;padding-right:6pt; padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;width:39.61%;"> $30,000
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:6pt;padding-right:4pt;padding-top:1.5pt;text-align:center; text-decoration:none;text-transform:none;vertical-align:top;width:39.61%;"> $30,000
                    </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:3pt;padding-left:4pt; padding-right:6pt;padding-top:1.5pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:20.77%;"> Kevin E. Walker <br>

                      Independent Director
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-bottom:3pt;padding-left:6pt; padding-right:6pt;padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;width:39.61%;"> $30,000
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-bottom:3pt;padding-left:6pt;padding-right:4pt; padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;width:39.61%;"> $30,000
                    </td>
                </tr>

            </table>
          </div>
          <div style="text-align:left;">
            <table cellspacing="0" cellpadding="1" id="z1fdaec2a69c84f5b95ce56ea73631d50" style="border-collapse:collapse;empty-cells:show;margin-top:9pt;width:100%;">

                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:3.64%;"> (1)
                    </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:96.36%;"> Represents cash compensation provided to our non-employee directors that is formalized in the Non-Employee Director Compensation Plan for the year ended December 31, 2021.
                    </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-bottom:0pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:3.64%;"> (2)
                    </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-bottom:0pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;width:96.36%;"> As inside directors, Mss. Jirele and Lods, and Messrs.Gaumond, Thomes, and Thiel do not receive any compensation for their service as directors. The compensation Ms. Jirele and Mr. Gaumond received
                      as executive officers of Allianz Life of New York is disclosed in the Summary Compensation Table as set forth herein.
                    </td>
                </tr>

            </table>
          </div>
          <div style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:uppercase;">Security Ownership of Certain Beneficial Owners
            and Management</div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;">We are an indirect wholly owned subsidiary of
            Allianz SE. Allianz SE&#8217;s principal executive offices are located at K&#246;niginstrasse 28, 80802 Munich, Germany. As of March 31, 2021, the directors and executive officers of Allianz Life of New York held less than 1% of Allianz SE&#8217;s ordinary
            shares issued and outstanding.</div>
          <div style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:uppercase;">Transactions with Related Persons, Promoters and
            Certain Control Persons</div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;">We are a wholly owned subsidiary of Allianz Life,
            which is a wholly owned subsidiary of AZOA, which in turn is a wholly owned subsidiary of Allianz Europe B.V. Allianz Europe B.V. is a wholly owned subsidiary of Allianz SE, our ultimate parent, which is registered in Munich, Germany.</div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;">Transactions with affiliates may not be on an
            arm&#8217;s-length basis and may present the potential for conflicts.</div>
          <div style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:uppercase;">Business and Operational Risks Relevant to the
            Contract</div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;">As an insurance company, a number of risks may
            affect our business. However, because the Contract (and any other insurance contract that we offer) is a regulated insurance product, as opposed to an investment in our business, many of the risks that may be relevant to an investor in our
            business are unlikely to be relevant to you. The risks described below are only those business and operational risks that are likely to be relevant to you as a purchaser of the Contract.</div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;"><font style="text-decoration:underline;">Risks
              Primarily Related to Our Financial Strength and Claims-Paying Ability</font></div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-bottom:2pt;margin-top:2pt;text-align:left;text-decoration:none;text-transform:none;"> We make Annuity Payments,
              pay death benefits, and apply Performance Credits for this Contract from our general account. We also pay benefits for other insurance contracts from our general account, and our general account is subject to claims by our creditors. Our
              ability to make payments from our general account is subject to our financial strength and claims-paying ability. The following risks relate to circumstances and events that may negatively affect our general account and, in turn, our
              financial strength and claims-paying ability. </div>
        </div>
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          <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:0.5pt solid #000000;height:0.5pt;width:100%;">
          <div style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:13pt;margin-bottom:2pt;margin-top:2pt;text-align:center;text-decoration:none;text-transform:none;"> Allianz Index Advantage <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#174; </sup> New York Variable Annuity Prospectus &#8211; April 29, 2022 </div>
        </div>
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          <div style="color:#000000;font-family:Arial;font-size:9pt;font-style:Normal;font-weight:bold;line-height:12pt;text-align:center;text-decoration:none;text-transform:none;">&#160;84&#160;</div>
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        <a name="xx_d0900dac-c33c-42ef-bf73-3b3047122839_32">
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          <a href="#JOB_Index_3271f810-de27-47d4-9b4d-756928a3a1d0_va-toc">
            Table of Contents
          </a>
        </div>
        <div type="Block" style="width:100%;">
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;">Financial losses may threaten our financial
            strength and claims-paying ability.</div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;">As an Owner of the Contract, you do not share in
            the profits and losses generated by our business. However, if we were to experience significant losses, we might not have sufficient assets in our general account to satisfy all of our financial obligations under the Contract. Circumstances and
            events that may result in financial losses include, but are not necessarily limited to, the circumstances and events listed below. We cannot predict what specific impact that any of these circumstances or events may ultimately have on our
            financial strength or claims-paying ability.</div>
          <div style="text-align:left;">
            <table cellspacing="0" cellpadding="2" id="z2896f277a4af463fa60ec4fd1bb9f218" style="border-collapse:collapse;empty-cells:show;margin-top:2pt;width:100%;">

                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;"> &#8226;
                    </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:Normal;line-height:12pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;"> Difficult Economic Conditions. <font style="font-style:Normal;"> Our financial condition is materially affected by conditions in the global capital markets and the economy generally. During an economic downturn,
                        the demand for our financial insurance products and services could be adversely affected. In addition, an economic downturn could cause the number and amount of full and partial withdrawals under our insurance products to increase
                        significantly, and owners of our insurance products may choose to defer making purchase payments or paying insurance premiums or stop them altogether. </font>
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                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-bottom:0pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:2.83%;"> &#8226;
                    </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:Normal;line-height:12pt;padding-bottom:0pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;width:97.17%;"> Unfavorable Interest Rate Environments. <font style="font-style:Normal;"> During periods of declining interest rates, we may experience financial losses as the spread between interest rates
                        that we credit to customers under our insurance products and returns on our investments tighten. The ongoing low interest rate environment presents challenges for us and other life insurance companies, as it has generally reduced
                        investment returns, raised the value of future obligations, and challenged asset-liability matching. During periods of increasing interest rates, we may experience financial losses due to increases in full and partial withdrawals
                        under our insurance products as our customers choose to forgo insurance protection in favor of potentially higher returns. Although we take measures to manage economic risks associated with different interest rate environments, we
                        may not be able to fully mitigate those risks. </font>
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            <table cellspacing="0" cellpadding="2" id="zd7261cd50bc44547973f8d348b703e1c" style="border-collapse:collapse;empty-cells:show;margin-top:3pt;width:100%;">

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                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;">&#8226;
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                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:Normal;line-height:12pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;">Losses on Fixed Maturity Investments.<font style="font-style:Normal;"> Our fixed maturity investments are subject to interest rate risk and credit risk. Interest rate risk refers to how the values of our fixed maturity
                      investments fluctuate in response to changes in market interest rates. Increases and decreases in prevailing interest rates generally result in decreases and increases, respectively, in the values of our fixed maturity investments.
                      Credit risk refers to the risk that a counterparty will default on its commitments to us under a fixed maturity investment. See &#8220;Defaults by Counterparties&#8221; below.</font>
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                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-bottom:0pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:2.83%;">&#8226;
                  </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:Normal;line-height:12pt;padding-bottom:0pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;width:97.17%;">Losses on Equity Investments.<font style="font-style:Normal;"> Our equity investments are generally valued based on quoted market prices and are subject to market risk. Market risk refers to how market
                      prices for equity investments are subject to fluctuation. A downward fluctuation in the market price for an equity investment could result in losses upon the sale of that investment. Fluctuations in market prices may result from,
                      among other things, actual or perceived changes in the attractiveness of specific investments or in general market conditions.</font>
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                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;"> &#8226;
                    </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:Normal;line-height:12pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;"> Losses on Real Estate Investments. <font style="font-style:Normal;"> A portion of our investment portfolio consists of mortgage loans and mortgage-backed securities related to commercial, agricultural and
                        residential real estate. The value of our real estate investments may be negatively impacted by general economic conditions in the real estate sector, including supply and demand, market volatility, interest rate fluctuations, and
                        geographic and extreme weather risks, as well as the creditworthiness of obligors. </font>
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                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;">&#8226;
                  </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:Normal;line-height:12pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;">Losses upon the Sale of Illiquid Investments.<font style="font-style:Normal;"> We hold certain investments that may lack liquidity, such as privately placed fixed maturity investments, mortgage loans, collateralized debt
                      obligations, commercial mortgage-backed securities, equity real estate and limited partnership interests. Although we seek to minimize the likelihood that we would need to sell illiquid investments, if we were required to liquidate
                      these investments on short notice, we may have difficulty doing so and may be forced to sell them for less than their fair value.</font>
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            <table cellspacing="0" cellpadding="0" id="z3cef3f466d8f467683a32725e2a92b3d" style="border-collapse:collapse;empty-cells:show;margin-top:2pt;width:100%;">

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                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;"> &#8226;
                    </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:Normal;line-height:12pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;"> Prolonged and Elevated Inflationary Periods. <font style="font-style:Normal;"> During inflationary periods, the value of our fixed maturity investments may fall, see Losses on Fixed Maturity Investments above.
                        Inflation also increases expenses, which will negatively impact our financial condition in the event that such additional costs cannot be offset. Prolonged and elevated inflation could adversely affect the financial markets and the
                        economy generally, and dispelling it may require governments to pursue a restrictive fiscal and monetary policy, which could constrain overall economic activity and our growth. </font>
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            </table>
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          <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:0.5pt solid #000000;height:0.5pt;width:100%;">
          <div style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:13pt;margin-bottom:2pt;margin-top:2pt;text-align:center;text-decoration:none;text-transform:none;"> Allianz Index Advantage <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#174; </sup> New York Variable Annuity Prospectus &#8211; April 29, 2022 </div>
        </div>
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          <div style="color:#000000;font-family:Arial;font-size:9pt;font-style:Normal;font-weight:bold;line-height:12pt;text-align:center;text-decoration:none;text-transform:none;">&#160;85&#160;</div>
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        <a name="xx_d0900dac-c33c-42ef-bf73-3b3047122839_33">
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          <a href="#JOB_Index_3271f810-de27-47d4-9b4d-756928a3a1d0_va-toc">
            Table of Contents
          </a>
        </div>
        <div type="Block" style="width:100%;">
          <div style="text-align:left;">
            <table cellspacing="0" cellpadding="2" id="z546814af62864d39b80e484cc6eb6436" style="border-collapse:collapse;empty-cells:show;margin-top:0pt;width:100%;">

                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;"> &#8226;
                    </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:Normal;line-height:12pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;"> Loss of Market Share to Competitors. <font style="font-style:Normal;"> There is strong competition among insurers, banks, brokerage firms and other financial institutions and providers seeking clients for the
                        types of products and services that we provide. A loss of market share to our competitors could result in financial losses to our business. Our ability to successfully compete is dependent on numerous factors, some of which include
                        the successful implementation of our business strategy, our financial strength, the attractiveness of our products and services, our relationships with distributors, and our reputation. Our ability to compete may also be hindered if
                        our competitors obtain or seek to enforce intellectual property rights against us, or if we are otherwise precluded from offering products or services that are in demand. Our ability to compete may also be hindered if we are not
                        able to protect or enforce our own intellectual property rights. Recently, the New York Department of Financial Services (&#8220;NYDFS&#8221;), the regulatory authority for the insurance industry in New York, introduced amendments to its
                        Regulation 47 that would set forth new requirements for registered index-linked annuities offered and sold in New York. The introduction of these amendments is expected to significantly increase our competition in New York for sales
                        of registered index-linked annuities. In addition, the amendments prescribe certain terms and conditions for registered index-linked annuities offered and sold in New York. Changes to our annuity sales platform to comply with the
                        amendments could substantially increase our costs. </font>
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                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-bottom:0pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:2.83%;"> &#8226;
                    </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:Normal;line-height:12pt;padding-bottom:0pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;width:97.17%;"> Defaults by Counterparties. <font style="font-style:Normal;"> Third-parties that owe us money, securities, or other assets may not fulfill their obligations to us. These parties may include
                        issuers of investments that we may hold, borrowers under loans that we may hold or extend, reinsurers, counterparties under swap and other derivative contracts and other third-parties (e.g., customers, trading counterparties,
                        brokers, dealers, banks, investment funds, clearing agents, exchanges and clearing houses). In addition, with respect to secured transactions, the risk of default may be exacerbated when the collateral held by us cannot be
                        liquidated or is liquidated at a price that is not sufficient to cover the full amount owed to us. A party may default on its obligations for a variety of reasons, including bankruptcy, lack of liquidity, downturns in the economy or
                        real estate market and operational failure. General economic conditions and trends may also result in increased defaults. </font>
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                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;">&#8226;
                  </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:Normal;line-height:12pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;">Impairments of Other Financial Institutions.<font style="font-style:Normal;"> We routinely execute transactions with counterparties in the financial services industry, including brokers, dealers, commercial banks,
                      investment banks, insurers, reinsurers and other investment and financial institutions. A disruption to, or decline in the financial condition of, such financial institutions may expose us to financial losses.</font>
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                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;">&#8226;
                  </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:Normal;line-height:12pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;">Payments through Guaranty Associations.<font style="font-style:Normal;"> When an insurance company becomes insolvent, state insurance guaranty associations have the right to assess other insurance companies doing business
                      in their state for funds to pay obligations to policyholders of the insolvent company, up to the state-specified limit of coverage. The future failure of a large life, health or annuity insurer could trigger assessments which we would
                      be obligated to pay. Further, amounts for historical insolvencies may be assessed over many years, and there can be significant uncertainty around the total obligation for a given insolvency.</font>
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                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-bottom:0pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:2.83%;">&#8226;
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                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:Normal;line-height:12pt;padding-bottom:0pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;width:97.17%;">Ineffectiveness of Risk Management Policies.<font style="font-style:Normal;"> Our risk management policies and procedures intended to identify, monitor and manage economic risks may not be fully
                      effective at mitigating our risk exposure in all market environments or against all types of risk. This could cause us to incur investment losses or cause our hedging and other risk management strategies to be ineffective.</font>
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            <table cellspacing="0" cellpadding="0" id="z1a6c55c9291643aaaa16d8d7f15e3bd6" style="border-collapse:collapse;empty-cells:show;margin-top:2pt;width:100%;">

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                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;"> &#8226;
                    </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:Normal;line-height:12pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;"> Impacts of Climate Change. <font style="font-style:Normal;"> We are exposed to economic risks related to climate change. Our financial condition could be negatively impacted by increased costs, or financial
                        losses on investments, arising from various events related to climate change, such as changes in public policy (either contributing to the adverse effects of climate change or promoting adaption to climate change), short-term or
                        long-term market distributions, changes in mortality/morbidity assumptions, changes in consumer behavior, business disruptions, extreme weather events, litigation, increased regulatory requirements, advancements in technology, and
                        longer-term shifts in climate patterns. Climate change could also impact the types of assets in which we invest. For example, as the transition to a lower-carbon, more energy-efficient economy continues, regulators could require us
                        (or we could voluntarily choose) to invest less in carbon-based industries, even though investments in carbon-based industries may have better returns in the short or long term. In addition, real estate investments may expose us to
                        greater climate change risk, as climate change may negatively impact market prices or supply and demand, and may make extreme weather events more likely or frequent. Further, we may not be able to adequately predict and mitigate
                        climate-change risk due to significant uncertainty and unknowns regarding the manifestations and timing of climate-change-driven events, absence of adequate historical data that captures this risk and the dependency of this risk on
                        the extent of the actions taken in the short term by governments, corporations and communities around the world. </font>
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          <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:0.5pt solid #000000;height:0.5pt;width:100%;">
          <div style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:13pt;margin-bottom:2pt;margin-top:2pt;text-align:center;text-decoration:none;text-transform:none;"> Allianz Index Advantage <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#174; </sup> New York Variable Annuity Prospectus &#8211; April 29, 2022 </div>
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          <a href="#JOB_Index_3271f810-de27-47d4-9b4d-756928a3a1d0_va-toc">
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          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;margin-top:12pt;text-align:left;text-decoration:none;text-transform:none;">Changes in applicable law may negatively affect
            our financial strength and claims-paying ability.</div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-bottom:2pt;margin-top:2pt;text-align:left;text-decoration:none;text-transform:none;"> We are subject to detailed
              and comprehensive regulation and supervision in New York by the NYDFS. The NYDFS has broad administrative powers with respect to all aspects of the insurance business and, in particular, monitors the manner in which an insurance company
              offers, sells and administers its products. Therefore, we may from time to time be subject to a variety of legal and regulatory actions relating to our current and past business operations and practices. Our operations, products and services
              are subject to varying other state and federal laws. In addition, our operations, products and services are regulated by various regulatory authorities and self-regulatory authorities including state insurance departments, state securities
              administrators, state banking authorities, the Securities and Exchange Commission, the Financial Industry Regulatory Authority, the Internal Revenue Service, the Department of Labor, and the U.S. Commodity Futures Trading Commission. </div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;">Changes to federal and state laws and regulations
            may materially affect the way in which we conduct our business. We are faced with significant challenges due to the fact that our regulatory environment is evolving rapidly. Federal and state governments, including federal and state regulatory
            authorities, have become increasingly active in the regulation of the businesses in which we engage. In addition, federal and state regulatory authorities are assuming active, and in some cases increasingly aggressive, roles in interpreting and
            enforcing laws and regulations related to our business. We cannot predict the potential effects that any new laws or regulations, changes in existing laws or regulations, or the interpretation or enforcement of laws or regulations may have on
            our business, but such changes may negatively affect our financial strength and claims-paying ability.</div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-bottom:2pt;margin-top:2pt;text-align:left;text-decoration:none;text-transform:none;"> The Securities and Exchange
              Commission has recently adopted new rules effective on June 30, 2020 (i) imposing a &#8220;best interest&#8221; standard of care on broker-dealers making recommendations to their customers and (ii) requiring broker-dealers and investment advisers to
              provide a written summary of the relationship between a broker-dealer or investment adviser, as applicable, and its customer. These new rules became effective on June 30, 2020. It remains unclear whether or to what extent these rules, and the
              evolving nature of the enforcement and interpretation of these rules by the Securities and Exchange Commission, could ultimately affect broker-dealers&#8217; willingness to recommend our registered annuity products. These rules could increase, and
              to some extent have increased, our overall compliance costs and could also increase our exposure to legal claims in certain circumstances, including an increased risk of regulatory enforcement actions or potentially private claims. </div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;"> The NYDFS, the regulatory authority for the
              insurance industry in New York, has adopted revisions to its Insurance Regulation 187, a regulation that imposes suitability requirements on annuity and life insurance recommendations by producers and insurers subject to New York law. Under
              the amendments to Regulation 187, recommendations of and related to annuity contracts will be subject to a best interest standard and other additional obligations. These revisions became effective for annuity recommendations on August 1, 2019
              and for life insurance recommendations on February 1, 2020. Regulation 187 is now the subject of litigation, as the NYDFS is appealing a finding of the Appellate Division of the New York State Supreme Court, Third Department, that Regulation
              187 is unconstitutionally vague. Regulation 187 will remain effective during the course of the appeal. These changes could have an adverse impact on the level and type of services provided and compliance with Regulation 187 could also
              increase our overall operational costs for providing some of the services currently provided. These changes may lead to greater exposure to legal claims in certain circumstances, including an increased risk of NYDFS-related actions. </div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;">Our reserves could be inadequate due to differences
            between our actual experience and management&#8217;s estimates and assumptions.</div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;">We establish and carry reserves to pay future
            benefits and claims of policyholders. Our reserve are calculated based on a number of estimates and assumptions, including estimates and assumptions related to future mortality, morbidity, interest rates, future equity performance, reinvestment
            rates, persistency, claims experience, and policyholder elections (i.e., the exercise or non-exercise of policy benefits). The assumptions and estimates used in connection with the reserve estimation process are inherently uncertain, involve
            the exercise of significant judgment and reflect evolving information. For example, the current rates of mortality and morbidity may continue to improve in the future due to medical and technological advancements that result in policyholders
            living longer than anticipated. We periodically review the adequacy of reserves and the underlying assumptions and make adjustments when appropriate. We cannot, however, determine with precision the amounts that we will pay for, or the timing
            of payment of, actual benefits and claims or whether the assets supporting the policy liabilities will grow to the level assumed prior to payment of benefits or claims. If actual results differ significantly from our estimates and assumptions,
            our claim costs could increase significantly and our</div>
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          <div style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:13pt;margin-bottom:2pt;margin-top:2pt;text-align:center;text-decoration:none;text-transform:none;"> Allianz Index Advantage <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#174; </sup> New York Variable Annuity Prospectus &#8211; April 29, 2022 </div>
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          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;text-align:left;text-decoration:none;text-transform:none;">reserves could be inadequate. If so, we will be required to
            increase reserves or accelerate amortization of deferred acquisition costs. However, we cannot be certain that our reserves will ultimately be sufficient to pay future benefits and claims of policyholders.</div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;">The amount of statutory capital that we must hold
            to meet our statutory capital requirements can vary significantly from time to time.</div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;">Statutory accounting standards and capital and
            reserve requirements are prescribed by NYDFS and the National Association of Insurance Commissioners. The NYDFS established regulations that govern reserving requirements and provide minimum capitalization requirements based on risk-based
            capital (&#8220;RBC&#8221;) ratios for life insurance companies. In any particular year, statutory surplus amounts and RBC ratios may increase or decrease depending on a variety of factors, including but not limited to, the amount of statutory income or
            losses that we generate, changes in reserves, the amount of additional capital that we must hold to support business growth, changes in equity market levels, the value of certain fixed-income and equity securities in our investment portfolio,
            changes in interest rates, and changes to existing RBC formulas. Additionally, state insurance regulators have significant leeway in interpreting existing regulations, which could further impact the amount of statutory capital or reserves that
            we must maintain. There can be no assurance that we will be able to maintain our current RBC ratio in the future or that our RBC ratio will not fall to a level that could have a material adverse effect on our business. If we are unable to
            maintain minimum capitalization requirements, our business may be subject to significant increases in supervision and control by the NYDFS.</div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;">Litigation and regulatory proceedings may
            negatively affect our financial strength and claims-paying ability.</div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;">We have been involved in various regulatory
            investigations and examinations, and we may be involved in more in the future. We may also be named as defendants in individual lawsuits in the future. These actions arise in various contexts, including in connection with our activities as an
            insurer, securities issuer, employer, investor, and taxpayer. Lawsuits and regulatory proceedings may involve significant amounts of damages (including punitive damages) or fines that we must pay, and certain regulatory authorities involved in
            regulatory proceedings have substantial power over our business operations. An adverse outcome in any lawsuit or regulatory proceeding that results in significant financial losses or operational burdens may negatively affect our financial
            strength and claims-paying ability.</div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;">Reinsurance may not be available or affordable, or
            may not be adequate to protect against harm to our financial strength and claims-paying ability.</div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;">As part of our overall risk management strategy,
            we purchase reinsurance for certain risks underwritten by our various business segments. While reinsurance agreements generally bind the reinsurer for the life of the business reinsured at generally fixed pricing, market conditions beyond our
            control can determine the availability and cost of the reinsurance protection for new business. If we are unable to purchase the desired amount of reinsurance protection on acceptable terms, our risk of loss may increase. As our risk of loss
            increases, so does the risk that we may not be able to meet our financial obligations.</div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;">Our hedging programs may be inadequate to protect
            against harm to our financial strength and claims-paying ability.</div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;">Certain types of insurance and investment
            products that we offer expose us to risks associated with fluctuations in financial markets. Although we use hedging techniques to manage risks associated with our insurance guarantees, increased volatility in the financial markets and
            unanticipated policyholder behavior may increase the cost of these hedges and/or negatively affect our ability to hedge certain risks. We may lose money on the derivatives that we hold as part of our hedging programs or otherwise. Ultimately,
            our hedging programs may be inadequate to protect us against the full extent of the exposure or losses we seek to mitigate, which in turn may negatively impact our financial strength and claims-paying ability.</div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;">Downgrades and potential downgrades to our
            claims-paying and financial strength ratings may signal a higher risk that we may be unable to meet our financial obligations, and may themselves negatively affect our financial strength and claims-paying ability.</div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-bottom:2pt;margin-top:2pt;text-align:left;text-decoration:none;text-transform:none;"> Our claims-paying and
              financial strength ratings, which various ratings organizations publish as measures of an insurance company's ability to meet policyholder obligations, are important to maintaining public confidence in Allianz Life of New York and our
              products, and the ability to market our products and services. A downgrade or an announced potential downgrade by credit rating agencies in our claims-paying and financial strength ratings may reflect an increased risk that </div>
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          <div style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:13pt;margin-bottom:2pt;margin-top:2pt;text-align:center;text-decoration:none;text-transform:none;"> Allianz Index Advantage <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#174; </sup> New York Variable Annuity Prospectus &#8211; April 29, 2022 </div>
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          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;text-align:left;text-decoration:none;text-transform:none;">we may not be able to meet our financial obligations. Any such
            downgrade or potential downgrade may itself harm our financial strength and claims-paying ability by causing financial losses to our business. Such losses may be the result of:</div>
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                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;">reductions in new sales of insurance products, annuities and other investment products;
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                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;">increases in our cost of capital or limitations on our access to sources of capital;
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                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-bottom:0pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;width:97.17%;">harm to our relationships with distributors and sales specialists;
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                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;"> &#8226;
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                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;"> material increases in the number or amount of full and partial withdrawals under our insurance products;
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                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;">&#8226;
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                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;">pressure on us to reduce prices or increase crediting rates for many of our insurance products; and
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                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-bottom:0pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;width:97.17%;">harm to our ability to obtain reinsurance or obtain reasonable pricing for reinsurance.
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          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-bottom:2pt;margin-top:2pt;text-align:left;text-decoration:none;text-transform:none; "> Similarly, credit rating agencies also evaluate the insurance industry as a whole and may change Allianz Life of New York&#8217;s and other insurance companies&#8217; financial strength ratings based on the agencies&#8217; overall view of the industry. It
              is possible that Allianz Life of New York&#8217;s credit rating could be similarly downgraded in the future based on credit rating agencies&#8217; evaluation of the life insurance industry as a whole due to changes in their view of Allianz Life of New
              York relative to the industry or a change in their rating assessment methodologies. In addition, downgrades or announced potential downgrades in the financial strength ratings of the financial institutions with which we do business may
              adversely impact our business operations and may cause financial losses to our business. </div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;"><font style="text-decoration:underline;">Risks
              Primarily Related to Our Business Operations</font></div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;">Breaches of security, or interference with our
            technology infrastructure, could harm our business.</div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;">Our business relies on technology systems and
            networks, including systems and networks managed by third parties to process, transmit and store information, and to conduct business activities and transactions with clients, distributors, vendors, and other third parties. We are also subject
            to certain federal and state regulations that require us to establish and maintain policies and procedures designed to protect sensitive client information. Maintaining the integrity of our systems is critical to the success of our business
            operations, including the retention of clients, and to the protection of our clients&#8217; personal information. To date, we have not identified any material breaches or interference with our systems and networks; however, we routinely encounter and
            address such threats, including an increasing frequency of phishing scams, introductions of malware and unauthorized payment requests. Any such breaches or interference by third parties or by our employees that may in the future occur could
            have a material adverse impact on our business operations and our financial condition.</div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;">We have implemented and maintain security
            measures designed to protect against breaches of security and other interference with systems and networks resulting from attacks by third parties, including hackers, and from employee error or malfeasance. We also require third party vendors
            who, in the provision of services to us, are provided with or process information pertaining to our business or our clients to meet certain information security standards. Changes in our technology platforms, such as an evolution to accommodate
            mobile computing, may also require corresponding changes in our systems, networks and data security measures. In addition, the increasing reliance on technology systems and networks and the occurrence and potential adverse impact of attacks on
            such systems and networks, both generally and in the financial services industry, have enhanced government and regulatory scrutiny of the measures taken by companies to protect against cyber-security threats. As these threats, and government
            and regulatory oversight of associated risks, continue to evolve, we may be required to expend additional resources to enhance or expand upon the security measures we currently maintain.</div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;">Despite the measures we have taken and may in the
            future take to address and mitigate these risks, we cannot ensure that our systems and networks will not be subject to breaches or interference. Any such event may result in operational disruptions as well as unauthorized access to or the
            disclosure or loss of our proprietary information or our clients&#8217; personal information, which in turn may result in legal claims, regulatory scrutiny and liability, reputational damage, the incurrence of costs to eliminate or mitigate further
            exposure, the loss of clients or other damage to our business. Any such event may interfere with, impede or cause delays in our calculation of values, processing of transactions and making of payments under the Contract. In addition, the trend
            toward broad consumer and general public notification of such incidents could exacerbate the harm to our business operations and our financial condition. Even if we successfully protected our technology infrastructure and the confidentiality of
            sensitive data, we may incur significant expenses in responding to any such attacks as well as the adoption and maintenance of appropriate security measures. We could also suffer harm to our business and reputation if attempted security
            breaches are publicized. We cannot be certain that advances in criminal capabilities, discovery of new vulnerabilities, attempts to exploit vulnerabilities in our systems, data thefts, physical system or network break-ins or inappropriate
            access, or other developments will not compromise or breach the technology or other security measures protecting our networks and systems used in connection with our products and</div>
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          <div style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:13pt;margin-bottom:2pt;margin-top:2pt;text-align:center;text-decoration:none;text-transform:none;"> Allianz Index Advantage <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#174; </sup> New York Variable Annuity Prospectus &#8211; April 29, 2022 </div>
        </div>
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          <div style="color:#000000;font-family:Arial;font-size:9pt;font-style:Normal;font-weight:bold;line-height:12pt;text-align:center;text-decoration:none;text-transform:none;">&#160;89&#160;</div>
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          <a href="#JOB_Index_3271f810-de27-47d4-9b4d-756928a3a1d0_va-toc">
            Table of Contents
          </a>
        </div>
        <div type="Block" style="width:100%;">
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-bottom:2pt;margin-top:2pt;text-align:left;text-decoration:none;text-transform:none; "> services. There may be an increased risk of cyberattacks during periods of geo-political or military conflict (such as Russia&#8217;s invasion of Ukraine and the resulting response by the United States and other countries). </div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;">The failure to protect our clients&#8217; confidential
            information and privacy could adversely affect our business.</div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;">A number of our businesses are subject to privacy
            regulations and confidentiality obligations, including the Gramm-Leach-Bliley Act and state privacy laws and regulations. We also have contractual obligations to protect certain confidential information we obtain from our existing vendors and
            clients. These obligations generally include protecting such confidential information in the same manner and to the same extent as we protect our own confidential information. The actions we take to protect confidential information vary by
            business segment and may include, among other things:</div>
          <div style="text-align:left;">
            <table cellspacing="0" cellpadding="2" id="z12e3789e95674a3daec51a5e3142b24d" style="border-collapse:collapse;empty-cells:show;margin-top:2pt;width:100%;">

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                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;">&#8226;
                  </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;">training and educating our employees regarding our obligations relating to confidential information;
                  </td>
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                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;">&#8226;
                  </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;">monitoring changes in state or federal privacy and compliance requirements;
                  </td>
                </tr>
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                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;">&#8226;
                  </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;">drafting appropriate contractual provisions into any contract that raises proprietary and confidentiality issues;
                  </td>
                </tr>
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                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;">&#8226;
                  </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;">maintaining secure storage facilities for tangible records;
                  </td>
                </tr>
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                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;">&#8226;
                  </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;">limiting access to electronic information; and
                  </td>
                </tr>
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                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-bottom:0pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:2.83%;">&#8226;
                  </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-bottom:0pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;width:97.17%;">in the event of a security breach, providing credit monitoring or other services to affected customers.
                  </td>
                </tr>

            </table>
          </div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:9pt;text-align:left;text-decoration:none;text-transform:none;">In addition, we must develop, implement and
            maintain a comprehensive written information security program with appropriate administrative, technical and physical safeguards to protect such confidential information. If we do not properly comply with privacy regulations and protect
            confidential information, we could experience adverse consequences, including regulatory sanctions, such as penalties, fines and loss of license, as well as loss of reputation and possible litigation. This could have an adverse impact on our
            Company&#8217;s reputation and business results.</div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;">Protection from system interruptions and operating
            errors is important to our business. If we were to experience a sustained interruption to our telecommunications or data processing systems or other failure in operational execution could harm our business operations and our business results.</div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;">Operating errors and system or network
            interruptions could delay and disrupt our ability to develop, deliver or maintain our products and services, causing harm to our business and reputation and resulting in loss of customers or revenue. Operating errors and system or network
            interruptions may also interfere with, impede or cause delays in our calculation of values, processing of transactions and making of payments under the Contract. Interruptions could be caused by operational failures arising from employee error
            or malfeasance, interference by third parties (including hackers and other cyber-attacks), implementation of new technology, and maintenance of existing technology. Our financial, accounting, data processing or other operating systems and
            facilities may fail to operate or report data properly, experience connectivity disruptions or otherwise become disabled as a result of events that are wholly or partially beyond our control, adversely affecting our ability to process
            transactions or provide products and services to customers. The cause of these interruptions can include fires, floods, earthquakes and other natural disasters, power losses, equipment failures, attacks by third parties, failures of internal or
            vendor software or systems and other events beyond our control.</div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;">In addition, we rely on third party service
            providers and vendors for certain communications, technology and business functions and face the risk of operational failure (including, without limitation, failure caused by an inaccuracy, untimeliness or other deficiency in data reporting),
            termination or capacity constraints of any of the clearing agents, exchanges, clearing houses or other third party service providers that we use to facilitate or are component providers to our transactions and other product manufacturing and
            distribution activities. These risks are heightened by the evolution in the financial markets of increasingly sophisticated products, by business-driven hedging, by compliance issues and by other risk management or investment or by financial
            management strategies. Any such failure, termination or constraint could adversely impact our ability to implement transactions, service our clients, manage our exposure to risk or otherwise achieve desired outcomes.</div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;">The occurrence of natural or man-made disasters and
            catastrophes could adversely affect our business operations and our business results.</div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-bottom:2pt;margin-top:2pt;text-align:left;text-decoration:none;text-transform:none;"> The occurrence of natural or
              man-made disasters and catastrophes, including extreme weather events, acts of terrorism, geo-political disputes, public health crises (e.g. COVID-19), industrial accident, blackout, cyber-attack, computer virus, insider threat, insurrections
              and military actions, unanticipated problems with our disaster recovery systems, or a support failure from external providers, could adversely affect our business operations and our business results, particularly if those events affect our
              computer-based data processing, transmission, storage, and retrieval systems or destroy data. Such disasters and catastrophes may damage our facilities, preventing our employees from performing their roles or otherwise disturbing our ordinary
              business operations, and by impacting claims. Such disasters and catastrophes may also impact us </div>
        </div>
        <div type="Block" style="margin-top:4pt;width:100%;">
          <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:0.5pt solid #000000;height:0.5pt;width:100%;">
          <div style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:13pt;margin-bottom:2pt;margin-top:2pt;text-align:center;text-decoration:none;text-transform:none;"> Allianz Index Advantage <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#174; </sup> New York Variable Annuity Prospectus &#8211; April 29, 2022 </div>
        </div>
        <div type="Block" style="margin-top:4pt;width:100%;">
          <div style="color:#000000;font-family:Arial;font-size:9pt;font-style:Normal;font-weight:bold;line-height:12pt;text-align:center;text-decoration:none;text-transform:none;">&#160;90&#160;</div>
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      </div>
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      <p style="margin:0pt;page-break-before:always;">&#160;
      </p>
      <div style="width:100%;">
        <a name="xx_d0900dac-c33c-42ef-bf73-3b3047122839_38">
        </a>
        <div style="font-family:Arial;font-size:7pt;line-height:10pt;font-weight:Normal;text-transform:none;text-align:left;vertical-align:bottom;padding-bottom:10pt;">
          <a href="#JOB_Index_3271f810-de27-47d4-9b4d-756928a3a1d0_va-toc">
            Table of Contents
          </a>
        </div>
        <div type="Block" style="width:100%;">
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-bottom:2pt;margin-top:2pt;text-align:left;text-decoration:none;text-transform:none; "> indirectly by changing the condition and behaviors of our customers, business counterparties and regulators, as well as by causing declines or volatility in the economic and financial markets. Climate change could increase our overall risk
              as extreme weather events may become more likely or frequent. We rely on certain third-parties to provide certain services important to our business operations. While we monitor the performance of such third-parties, including those with
              employees who operate remotely, successful implementation and execution of their business continuity strategies are largely outside of our control. Weaknesses or failures within a vendor&#8217;s business continuity plan in light of a natural or
              man-made disaster or catastrophe could materially disrupt our business operations. </div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;"> Inadequate or failed processes or systems, human
              factors or external events may adversely affect our reputation or operational effectiveness, as well as our financial condition. </div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;"> Operational risk is inherent in our business
              and can manifest itself in various ways, including business interruption, poor vendor performance, information systems malfunctions or failures, regulatory breaches, human errors, employee misconduct, external fraud, and inability to recruit,
              motivate, and retain key employees. These events can potentially result in financial loss, harm to our reputation and/or hinder our operational effectiveness. Management attempts to control these risks and keep operational risk at low levels
              by maintaining a sound and well controlled environment in light of the characteristics of our business, markets and regulatory environment in which we operate. Notwithstanding these measures, operational risk is part of the business
              environment in which we operate, and we may experience operational disruptions and incur losses from time to time due to these types or risks. </div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;"><font style="text-decoration:underline;">Risks
              Related to the COVID-19 Pandemic</font></div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;">We continue to closely monitor developments
            related to the COVID-19 pandemic and its impact on our business and operations. The economic conditions and uncertainties during the pandemic have at times negatively impacted our net income, surplus, and capital and liquidity positions. To
            date, however, we do not believe that these economic conditions and uncertainties have negatively impacted our overall financial strength and claims-paying ability in a significant manner. Nor do we believe that our administration of the
            Contract and our other insurance contracts has been disrupted in a significant manner, even as many of our employees and the employees of our third-party service providers continue to work remotely.</div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-bottom:2pt;margin-top:2pt;text-align:left;text-decoration:none;text-transform:none;"> The extent to which the
              pandemic will impact our business and operations in the future will depend on future developments, which are highly uncertain and cannot be predicted, including the general scope and duration of the pandemic; actions taken by governmental
              authorities and other third parties in response to the pandemic; the occurrence of new variants of the COVID virus; the severity and duration of waves in infections and hospitalizations; and the efficacy of vaccines, therapeutic treatments,
              and other healthcare programs. Any risk management or contingency plans or preventative measures we take may not adequately predict or address the impact of the COVID-19 pandemic on our business. As such, the pandemic could have a material
              adverse effect on our financial condition and operations. </div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;">The pandemic-related risks that we face include
            (but are not necessarily limited to) the following:</div>
          <div style="text-align:left;">
            <table cellspacing="0" cellpadding="0" id="z2d49582f4c2749aeb86e418e38b7dfa7" style="border-collapse:collapse;empty-cells:show;margin-top:2pt;width:100%;">

                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;"> &#8226;
                    </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;"> Economic conditions and uncertainties may negatively impact the value, cash flow, and liquidity of our general account investments due to, <font style="font-style:italic;"> e.g. </font> , declines in
                      markets, market volatility, reduced liquidity, changes in interest rates, economic shutdowns or slowdowns, prolonged elevated inflation period, government regulations, higher unemployment levels, and counterparty defaults.
                    </td>
                </tr>

            </table>
          </div>
          <div style="text-align:left;">
            <table cellspacing="0" cellpadding="0" id="z16b34035c1534426ae32ec374449b279" style="border-collapse:collapse;empty-cells:show;margin-top:2pt;width:100%;">

                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;">&#8226;
                  </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;">Voluntary or government mandated hardship assistance that we provide to our customers in the form of, <font style="font-style:italic;">e.g.</font>, grace periods for failure to make timely payments, may reduce our net
                    income and surplus.
                  </td>
                </tr>

            </table>
          </div>
          <div style="text-align:left;">
            <table cellspacing="0" cellpadding="0" id="z02b45156b6974532ace04dc518aaa88a" style="border-collapse:collapse;empty-cells:show;margin-top:2pt;width:100%;">

                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;"> &#8226;
                    </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;"> Reductions in new sales of our financial products or reductions in fees collected by us, or increases in full withdrawals, cancellations, or defaults with respect to our customers&#8217; existing financial products, as a
                      result of economic conditions and uncertainties may reduce our net income and surplus.
                    </td>
                </tr>

            </table>
          </div>
          <div style="text-align:left;">
            <table cellspacing="0" cellpadding="0" id="z5beec138c292414c8ce8d8d59766c66a" style="border-collapse:collapse;empty-cells:show;margin-top:2pt;width:100%;">

                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;">&#8226;
                  </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;">Economic conditions and uncertainties may limit our access to sources of capital and our ability to obtain reinsurance.
                  </td>
                </tr>

            </table>
          </div>
          <div style="text-align:left;">
            <table cellspacing="0" cellpadding="2" id="z371183cea7d0411aa841aed7ced17c56" style="border-collapse:collapse;empty-cells:show;margin-top:2pt;width:100%;">

                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;"> &#8226;
                    </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;"> Voluntary and government mandated pandemic mitigation <font style="font-style:italic;"> </font> efforts, such as prolonged remote working arrangements and economic shutdowns, and employees&#8217; ability or willingness
                      to fulfill their responsibilities during the pandemic, may disrupt our ability to administer our insurance contracts (including our ability to timely process applications, transactions, and payments and to calculate values) and may
                      disrupt the services provided by third-parties upon which we rely to administer our insurance contracts. Extended periods of remote work arrangements could introduce additional operational risk, including but not limited to
                      cybersecurity risks, and impair our ability to effectively manage our business.
                    </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-bottom:0pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:2.83%;"> &#8226;
                    </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-bottom:0pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;width:97.17%;"> Longer-term deviations from the mortality, customer behavior, expenses, and other assumptions that we use to price our products and support our obligations.
                    </td>
                </tr>

            </table>
          </div>
        </div>
        <div type="Block" style="margin-top:4pt;width:100%;">
          <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:0.5pt solid #000000;height:0.5pt;width:100%;">
          <div style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:13pt;margin-bottom:2pt;margin-top:2pt;text-align:center;text-decoration:none;text-transform:none;"> Allianz Index Advantage <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#174; </sup> New York Variable Annuity Prospectus &#8211; April 29, 2022 </div>
        </div>
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          <div style="color:#000000;font-family:Arial;font-size:9pt;font-style:Normal;font-weight:bold;line-height:12pt;text-align:center;text-decoration:none;text-transform:none;">&#160;91&#160;</div>
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      </div>
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      <p style="margin:0pt;page-break-before:always;">&#160;
      </p>
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        <a name="xx_d0900dac-c33c-42ef-bf73-3b3047122839_39">
        </a>
        <div style="font-family:Arial;font-size:7pt;line-height:10pt;font-weight:Normal;text-transform:none;text-align:left;vertical-align:bottom;padding-bottom:10pt;">
          <a href="#JOB_Index_3271f810-de27-47d4-9b4d-756928a3a1d0_va-toc">
            Table of Contents
          </a>
        </div>
        <div type="Block" style="width:100%;">
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;margin-top:9pt;text-align:left;text-decoration:none;text-transform:none;">In addition to the risks listed above, to the
            extent that the pandemic impacts our business and operations, it may also have the effect of heightening the other risks described in this section of the prospectus.</div>
          <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:2pt solid #000000;height:2pt;width:100%;">
          <div style="color:#000000;font-family:Arial;font-size:11pt;font-style:Normal;font-weight:Normal;line-height:13pt;margin-top:5pt;text-align:left;text-decoration:none;text-transform:lowercase;"> 14. <font style="text-transform:uppercase;"> &#160;&#160;Financial
                Statements </font></div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;"> The statutory financial statements of Allianz
              Life Insurance Company of New York as of December 31, 2021 and 2020 and for each of the three years in the period ended December 31, 2021 included in Appendix H of this prospectus have been so included in reliance on the report of
              PricewaterhouseCoopers LLP, an independent registered public accounting firm, given on the authority of said firm as experts in auditing and accounting. </div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;"> The financial statements of the subaccounts of
              Allianz Life of NY Variable Account C of Allianz Life Insurance Company of New York (&#8220;Variable Account C&#8221;) as of December 31, 2021 are incorporated herein by reference to Variable Account C&#8217;s <font style="color:#0000FF;text-decoration:underline;">
              <a href="http://www.sec.gov/Archives/edgar/data/0000845775/000084577522000006/nvpfsazsepacctcapril2021.htm"> Form N-VPFS </a></font> (File No. 811-05716) filed with the SEC have been so incorporated in reliance on the report of
              PricewaterhouseCoopers LLP, an independent registered public accounting firm, given on the authority of said firm as experts in auditing and accounting. </div>
        </div>
        <div type="Block" style="margin-top:505pt;width:100%;">
          <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:0.5pt solid #000000;height:0.5pt;width:100%;">
          <div style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:13pt;margin-bottom:2pt;margin-top:2pt;text-align:center;text-decoration:none;text-transform:none;"> Allianz Index Advantage <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#174; </sup> New York Variable Annuity Prospectus &#8211; April 29, 2022 </div>
        </div>
        <div type="Block" style="margin-top:4pt;width:100%;">
          <div style="color:#000000;font-family:Arial;font-size:9pt;font-style:Normal;font-weight:bold;line-height:12pt;text-align:center;text-decoration:none;text-transform:none;">&#160;92&#160;</div>
        </div>
      </div>
      <div style="clear:both;font-size:12pt;height:0pt;">
      </div>
      <hr style="margin-bottom:0pt;">
      <p style="margin:0pt;page-break-before:always;">&#160;
      </p>
      <div style="width:100%;">
        <a name="xx_e59aaa52-34f6-4816-9f0c-3e2c18b5fd59_1">
        </a>
        <div style="font-family:Arial;font-size:7pt;line-height:10pt;font-weight:Normal;text-transform:none;text-align:left;vertical-align:bottom;padding-bottom:10pt;">
          <a href="#JOB_Index_3271f810-de27-47d4-9b4d-756928a3a1d0_va-toc">
            Table of Contents
          </a>
        </div>
        <div type="Block" style="width:100%;">
          <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:2pt solid #000000;height:2pt;width:100%;">
          <div style="color:#000000;font-family:Arial;font-size:11pt;font-style:Normal;font-weight:Normal;line-height:13pt;margin-top:5pt;text-align:left;text-decoration:none;text-transform:uppercase;">Appendix A &#8211; Available Indexes</div>
          <div style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:uppercase;">S&amp;P 500<sup style="font-style: Normal; text-transform: uppercase; vertical-align: text-top; line-height: 1; font-size: smaller;">&#174;</sup> Index</div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;">The S&amp;P 500<sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;">&#174;</sup> Index is comprised of 500 stocks representing major U.S. industrial sectors.</div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;">S&amp;P<sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;">&#174;</sup> is a registered trademark of Standard &amp; Poor&#8217;s Financial Services LLC (&#8220;S&amp;P&#8221;). This trademark has been licensed for use by S&amp;P Dow Jones Indices LLC. S&amp;P
            marks are trademarks of S&amp;P. These trademarks have been sublicensed for certain purposes by Allianz Life Insurance Company of New York (&#8220;Allianz Life<sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;">&#174;</sup> of NY&#8221;). The
            S&amp;P 500<sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;">&#174;</sup> Index (&#8220;the Index&#8221;) is a product of S&amp;P Dow Jones Indices LLC and/or its affiliates and have been licensed for use by Allianz Life of NY.</div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;">Allianz Life of NY products are not sponsored,
            endorsed, sold, or promoted by S&amp;P Dow Jones Indices LLC, Dow Jones, S&amp;P, or any of their respective affiliates (collectively, &#8220;S&amp;P Dow Jones Indices&#8221;). S&amp;P Dow Jones Indices make no representation or warranty, express or
            implied, to the owners of the Allianz Life of NY products or any member of the public regarding the advisability of investments generally or in Allianz Life of NY products particularly or the ability of the Index and Average to track general
            market performance. S&amp;P Dow Jones Indices&#8217; only relationship to Allianz Life of NY with respect to the Index and Average is the licensing of the Index and Average and certain trademarks, service marks, and/or trade names of S&amp;P Dow
            Jones Indices and/or its third-party licensors. The Index and Average are determined, composed, and calculated by S&amp;P Dow Jones Indices without regard to Allianz Life of NY or the products. S&amp;P Dow Jones Indices have no obligation to
            take the needs of Allianz Life of NY or the owners of the products into consideration in determining, composing, or calculating the Index and Average. S&amp;P Dow Jones Indices are not responsible for and have not participated in the design,
            development, pricing, and operation of the products, including the calculation of any interest payments or any other values credited to the products. S&amp;P Dow Jones Indices have no obligation or liability in connection with the
            administration, marketing, or trading of products. There is no assurance that investment products based on the Index and Average will accurately track index performance or provide positive investment returns. S&amp;P Dow Jones Indices LLC and
            its subsidiaries are not investment advisors. Inclusion of a security or futures contract within an index is not a recommendation by S&amp;P Dow Jones Indices to buy, sell, or hold such security or futures contract, nor is it considered to be
            investment advice. Notwithstanding the foregoing, CME Group Inc. and its affiliates may independently issue and/or sponsor financial products unrelated to products currently being issued by Allianz Life of NY, but which may be similar to and
            competitive with Allianz Life of NY products. In addition, CME Group Inc., an indirect minority owner of S&amp;P Dow Jones Indices LLC, and its affiliates may trade financial products which are linked to the performance of the Index and
            Average. It is possible that this trading activity will affect the value of the products.</div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;">S&amp;P DOW JONES INDICES DO NOT GUARANTEE THE
            ADEQUACY, ACCURACY, TIMELINESS, AND/OR THE COMPLETENESS OF THE INDEX AND AVERAGE OR ANY DATA RELATED THERETO OR ANY COMMUNICATION, INCLUDING BUT NOT LIMITED TO, ORAL OR WRITTEN COMMUNICATION (INCLUDING ELECTRONIC COMMUNICATIONS) WITH RESPECT
            THERETO. S&amp;P DOW JONES INDICES SHALL NOT BE SUBJECT TO ANY DAMAGES OR LIABILITY FOR ANY ERRORS, OMISSIONS, OR DELAYS THEREIN. S&amp;P DOW JONES INDICES MAKE NO EXPRESS OR IMPLIED WARRANTIES, AND EXPRESSLY DISCLAIM ALL WARRANTIES, OF
            MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE OR USE OR AS TO RESULTS TO BE OBTAINED BY ALLIANZ LIFE OF NY, OWNERS OF THE PRODUCTS, OR ANY OTHER PERSON OR ENTITY FROM THE USE OF THE INDEX AND AVERAGE OR WITH RESPECT TO ANY DATA RELATED
            THERETO. WITHOUT LIMITING ANY OF THE FOREGOING, IN NO EVENT WHATSOEVER SHALL S&amp;P DOW JONES INDICES BE LIABLE FOR ANY INDIRECT, SPECIAL, INCIDENTAL, PUNITIVE, OR CONSEQUENTIAL DAMAGES INCLUDING BUT NOT LIMITED TO, LOSS OF PROFITS, TRADING
            LOSSES, LOST TIME, OR GOODWILL, EVEN IF THEY HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, WHETHER IN CONTRACT, TORT, STRICT LIABILITY, OR OTHERWISE. THERE ARE NO THIRD-PARTY BENEFICIARIES OF ANY AGREEMENTS OR ARRANGEMENTS BETWEEN
            S&amp;P DOW JONES INDICES AND ALLIANZ LIFE OF NY OTHER THAN THE LICENSORS OF S&amp;P DOW JONES INDICES.</div>
          <div style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:uppercase;">Russell 2000<sup style="font-style: Normal; text-transform: uppercase; vertical-align: text-top; line-height: 1; font-size: smaller;">&#174;</sup> Index</div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;">The Russell 2000<sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;">&#174;</sup> Index is an equity index that measures the performance of the 2,000 smallest companies in the Russell 3000<sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;">&#174;</sup>
            Index, which is made up of 3,000 of the biggest U.S. stocks. The Russell 2000<sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;">&#174;</sup> Index is constructed to provide a comprehensive and unbiased small-cap barometer and is
            completely reconstituted annually to ensure larger stocks do not affect the performance and characteristics of the true small-cap index.</div>
        </div>
        <div type="Block" style="margin-top:16pt;width:100%;">
          <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:0.5pt solid #000000;height:0.5pt;width:100%;">
          <div style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:11pt;margin-bottom:2pt;margin-top:2pt;text-align:center;text-decoration:none;text-transform:none;"> Allianz Index Advantage <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#174; </sup> New York Variable Annuity Prospectus &#8211; April 29, 2022 </div>
          <div style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:11pt;text-align:center;text-decoration:none;text-transform:none;">Appendix A</div>
        </div>
        <div type="Block" style="margin-top:3pt;width:100%;">
          <div style="color:#000000;font-family:Arial;font-size:9pt;font-style:Normal;font-weight:bold;line-height:12pt;text-align:center;text-decoration:none;text-transform:none;">&#160;93&#160;</div>
        </div>
      </div>
      <div style="clear:both;font-size:12pt;height:0pt;">
      </div>
      <hr style="margin-bottom:0pt;">
      <p style="margin:0pt;page-break-before:always;">&#160;
      </p>
      <div style="width:100%;">
        <a name="xx_e59aaa52-34f6-4816-9f0c-3e2c18b5fd59_2">
        </a>
        <div style="font-family:Arial;font-size:7pt;line-height:10pt;font-weight:Normal;text-transform:none;text-align:left;vertical-align:bottom;padding-bottom:10pt;">
          <a href="#JOB_Index_3271f810-de27-47d4-9b4d-756928a3a1d0_va-toc">
            Table of Contents
          </a>
        </div>
        <div type="Block" style="width:100%;">
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;">The Russell 2000<sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;">&#174;</sup> Index (the &#8220;Index&#8221;) is a trademark of Frank Russell Company (&#8220;Russell&#8221;) and has been licensed for use by Allianz Life Insurance Company of New York (&#8220;Allianz Life<sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;">&#174;</sup> of NY&#8221;). Allianz Life of NY products are not in any way sponsored, endorsed, sold or promoted by Russell or the London Stock Exchange Group companies (&#8220;LSEG&#8221;) (together the
            &#8220;Licensor Parties&#8221;) and none of the Licensor Parties make any claim, prediction, warranty or representation whatsoever, expressly or impliedly, either as to (i) the results to be obtained from the use of the Index (upon which the Allianz Life
            of NY product is based), (ii) the figure at which the Index is said to stand at any particular time on any particular day or otherwise, or (iii) the suitability of the Index for the purpose to which it is being put in connection with the
            Allianz Life of NY product. None of the Licensor Parties have provided or will provide any financial or investment advice or recommendation in relation to the Index to Allianz Life of NY or to its clients. The Index is calculated by Russell or
            its agent. None of the Licensor Parties shall be (a) liable (whether in negligence or otherwise) to any person for any error in the Index or (b) under any obligation to advise any person of any error therein.</div>
          <div style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:uppercase;">Nasdaq-100<sup style="font-style: Normal; text-transform: uppercase; vertical-align: text-top; line-height: 1; font-size: smaller;">&#174;</sup> Index</div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;">The NASDAQ-100 Index<sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;">&#174;</sup> includes 100 of the largest domestic and international non-financial securities listed on The NASDAQ Stock Market<sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;">&#174;</sup> based on market capitalization.</div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;">The Product(s) is not sponsored, endorsed, sold
            or promoted by Nasdaq, Inc. or its affiliates (Nasdaq, with its affiliates, are referred to as the &#8220;Corporations&#8221;). The Corporations have not passed on the legality or suitability of, or the accuracy or adequacy of descriptions and disclosures
            relating to, the Product(s). The Corporations make no representation or warranty, express or implied to the owners of the Product(s) or any member of the public regarding the advisability of investing in securities generally or in the
            Product(s) particularly, or the ability of the Nasdaq-100 Index<sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;">&#174;</sup> to track general stock market performance. The Corporations' only relationship to Allianz Life Insurance
            Company of New York (&#8220;Licensee&#8221;) is in the licensing of the NASDAQ<sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;">&#174;</sup>, and Nasdaq-100 Index<sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;">&#174;</sup>
            registered trademarks, and certain trade names of the Corporations and the use of the Nasdaq-100 Index<sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;">&#174;</sup> which is determined, composed and calculated by NASDAQ without
            regard to Licensee or the Product(s). Nasdaq has no obligation to take the needs of the Licensee or the owners of the Product(s) into consideration in determining, composing or calculating the Nasdaq-100 Index<sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;">&#174;</sup>. The Corporations are not responsible for and have not participated in the determination of the timing of, prices of, or quantities of the Product(s) to be issued or in the
            determination or calculation of the equation by which the Product(s) is to be converted into cash. The Corporations have no liability in connection with the administration, marketing or trading of the Product(s).</div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;">THE CORPORATIONS DO NOT GUARANTEE THE ACCURACY
            AND/OR UNINTERRUPTED CALCULATION OF THE NASDAQ-100 INDEX<sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;">&#174;</sup> OR ANY DATA INCLUDED THEREIN. THE CORPORATIONS MAKE NO WARRANTY, EXPRESS OR IMPLIED, AS TO RESULTS TO BE OBTAINED
            BY LICENSEE, OWNERS OF THE PRODUCT(S), OR ANY OTHER PERSON OR ENTITY FROM THE USE OF THE NASDAQ-100 INDEX<sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;">&#174;</sup> OR ANY DATA INCLUDED THEREIN. THE CORPORATIONS MAKE NO EXPRESS OR
            IMPLIED WARRANTIES, AND EXPRESSLY DISCLAIM ALL WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE OR USE WITH RESPECT TO THE NASDAQ-100 INDEX<sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;">&#174;</sup> OR ANY DATA
            INCLUDED THEREIN. WITHOUT LIMITING ANY OF THE FOREGOING, IN NO EVENT SHALL THE CORPORATIONS HAVE ANY LIABILITY FOR ANY LOST PROFITS OR SPECIAL, INCIDENTAL, PUNITIVE, INDIRECT, OR CONSEQUENTIAL DAMAGES, EVEN IF NOTIFIED OF THE POSSIBILITY OF
            SUCH DAMAGES.</div>
          <div style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:uppercase;">EURO STOXX 50<sup style="font-style: Normal; text-transform: uppercase; vertical-align: text-top; line-height: 1; font-size: smaller;">&#174;</sup></div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;">The EURO STOXX 50<sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;">&#174;</sup>, Europe's leading blue-chip index for the Eurozone, provides a blue-chip representation of supersector leaders in the Eurozone. The index covers 50 stocks from 11 Eurozone
            countries: Austria, Belgium, Finland, France, Germany, Ireland, Italy, Luxembourg, the Netherlands, Portugal and Spain.</div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;">STOXX Limited, Deutsche B&#246;rse Group and their
            licensors, research partners or data providers have no relationship to Allianz Life Insurance Company of New York (&#8220;Allianz Life<sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;">&#174;</sup> of NY&#8221;), other than the licensing of the
            EURO STOXX 50<sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;">&#174;</sup> and the related trademarks for use in connection with Allianz Life of NY products.</div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;">STOXX, Deutsche B&#246;rse Group and their licensors,
            research partners or data providers do <font style="text-decoration:underline;">not</font>:</div>
          <div style="text-align:left;">
            <table cellspacing="0" cellpadding="2" id="z8a237462ee9940c19a751b7d81c80e60" style="border-collapse:collapse;empty-cells:show;margin-top:2pt;width:100%;">

                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;">&#8226;
                  </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;">sponsor, endorse, sell or promote Allianz Life of NY products.
                  </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;">&#8226;
                  </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;">recommend that any person invest in Allianz Life of NY products or any other securities.
                  </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-bottom:0pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:2.83%;">&#8226;
                  </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-bottom:0pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;width:97.17%;">have any responsibility or liability for or make any decisions about the timing, amount or pricing of Allianz Life of NY products.
                  </td>
                </tr>

            </table>
          </div>
        </div>
        <div type="Block" style="margin-top:16pt;width:100%;">
          <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:0.5pt solid #000000;height:0.5pt;width:100%;">
          <div style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:11pt;margin-bottom:2pt;margin-top:2pt;text-align:center;text-decoration:none;text-transform:none;"> Allianz Index Advantage <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#174; </sup> New York Variable Annuity Prospectus &#8211; April 29, 2022 </div>
          <div style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:11pt;text-align:center;text-decoration:none;text-transform:none;">Appendix A</div>
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          <div style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:11pt;margin-bottom:2pt;margin-top:2pt;text-align:center;text-decoration:none;text-transform:none;"> Allianz Index Advantage <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#174; </sup> New York Variable Annuity Prospectus &#8211; April 29, 2022 </div>
          <div style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:11pt;text-align:center;text-decoration:none;text-transform:none;">Appendix A</div>
        </div>
        <div type="Block" style="margin-top:3pt;width:100%;">
          <div style="color:#000000;font-family:Arial;font-size:9pt;font-style:Normal;font-weight:bold;line-height:12pt;text-align:center;text-decoration:none;text-transform:none;">&#160;95&#160;</div>
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      <div style="clear:both;font-size:12pt;height:0pt;">
      </div>
      <hr style="margin-bottom:0pt;">
      <p style="margin:0pt;page-break-before:always;">&#160;
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        <a name="xx_4a6214d2-d8e6-4947-b071-e05dac3cb8f1_1">
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          <a href="#JOB_Index_3271f810-de27-47d4-9b4d-756928a3a1d0_va-toc">
            Table of Contents
          </a>
        </div>
        <div type="Block" style="width:100%;">
          <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:2pt solid #000000;height:2pt;width:100%;">
          <div style="color:#000000;font-family:Arial;font-size:11pt;font-style:Normal;font-weight:Normal;line-height:13pt;margin-top:5pt;text-align:left;text-decoration:none;text-transform:uppercase;">Appendix B &#8211; Daily Adjustment</div>
          <div style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;">Generally</div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:1pt;text-align:left;text-decoration:none;text-transform:none;">We designed the Daily Adjustment to provide an
            Index Option Value on Business Days other than the Index Effective Date or an Index Anniversary. The Daily Adjustment approximates the Index Option Value that will be available on the next Index Anniversary. It is the estimated present value of
            the future Performance Credit that we will apply on the next Index Anniversary. The Daily Adjustment takes into account:</div>
          <div style="text-align:left;">
            <table cellspacing="0" cellpadding="0" id="z6c638559eb8641d38ab614446156f47c" style="border-collapse:collapse;empty-cells:show;margin-left:2.02%;margin-top:2pt;width:97.98%;">

                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:4.13%;">(i)
                  </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:95.87%;">any Index gains during the Index Year subject to the applicable Cap,
                  </td>
                </tr>

            </table>
          </div>
          <div style="text-align:left;">
            <table cellspacing="0" cellpadding="0" id="z7f4ca79cdb9546369eba48dcb333391f" style="border-collapse:collapse;empty-cells:show;margin-left:2.02%;margin-top:2pt;width:97.98%;">

                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:4.13%;"> (ii)
                    </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:95.87%;"> any Index losses greater than the 10% or 30% Buffer, and
                    </td>
                </tr>

            </table>
          </div>
          <div style="text-align:left;">
            <table cellspacing="0" cellpadding="0" id="z1ba19c37af01479da811be70fa11441b" style="border-collapse:collapse;empty-cells:show;margin-left:2.02%;margin-top:2pt;width:97.98%;">

                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:4.13%;">(iii)
                  </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:95.87%;">the number of days until the next Index Anniversary.
                  </td>
                </tr>

            </table>
          </div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;">The Daily Adjustment formula has two primary
            components, (i) the change in Proxy Value and (ii) accumulated proxy interest, which are added together and then multiplied by the Index Option Base. We designed the Daily Adjustment to estimate the present value of positive or negative
            Performance Credit that will be available on the next Index Anniversary taking into account any applicable Buffer and Cap. You should note that even if your selected Index(es) experience positive growth, the Daily Adjustments may be negative
            because of other market conditions, such as the expected volatility of Index prices and interest rates. Therefore, the Daily Adjustment could result in a loss beyond the protection of the Buffer.</div>
          <div style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;">Daily Adjustment Formula</div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:1pt;text-align:left;text-decoration:none;text-transform:none;">The formula for the calculation of the Daily
            Adjustment is as follows:</div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;">Daily Adjustment = [(a) change in Proxy Value +
            (b) proxy interest] x Index Option Base</div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;">Where:</div>
          <div style="text-align:left;">
            <table cellspacing="0" cellpadding="0" id="z1a32e030a47a46b2a5cada179b2c2b6e" style="border-collapse:collapse;empty-cells:show;margin-left:2.83%;margin-top:3pt;width:97.17%;">

                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.92%;">(a)
                  </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.08%;">change in Proxy Value = (current Proxy Value &#8211; beginning Proxy Value)
                  </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.92%;">(b)
                  </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.08%;">proxy interest = beginning Proxy Value x (1 &#8211; time remaining during the Index Year)
                  </td>
                </tr>

            </table>
          </div>
          <div style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;">Calculating Change in Proxy Value</div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:1pt;text-align:left;text-decoration:none;text-transform:none;">The change in Proxy Value represents the current
            hypothetical value of the Proxy Investment (current Proxy Value), less the cost of the Proxy Investment at the beginning of the Index Year (beginning Proxy Value).</div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;">The current Proxy Value is the Proxy Value
            calculated on the same day as the Daily Adjustment. The beginning Proxy Value is the Proxy Value calculated on the first day of the current Index Year.</div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;">The Proxy Value tracks three hypothetical
            derivative investments (call and put options) that we designed to mimic the market value of your allocation to an Index Performance Strategy or an Index Protection NY Strategy Index Option. We calculate a Proxy Value for each of your selected
            Index Options.</div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;">The Proxy Value involves tracking three
            hypothetical derivatives and is calculated using the following formula:</div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:2pt;padding-left:2.83%;text-align:left;text-decoration:none;text-transform:none;">Proxy Value = (at-the-money
            call) &#8211; (out-of-the-money call) &#8211; (out-of-the-money put)</div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-bottom:2pt;margin-top:2pt;text-align:left;text-decoration:none;text-transform:none;"> With respect to our Proxy
              Value formula, we designed the at-the-money call and out-of-the-money call to value the potential for Index gains up to the Cap, and the out-of-the-money put to value the potential for Index losses greater than the 10% or 30% Buffer. It is
              important to note that the out-of-the-money put will almost always reduce the Daily Adjustment, even when the current Index price on a Business Day is higher than the Index Value on the last&#160;Index Anniversary. This is because the risk that
              the Index Value could be lower on the next Index Anniversary is present to some extent whether or not the current Index price on a Business Day is lower than the Index Value on the last&#160;Index Anniversary. </div>
          <div style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;">Calculating Proxy Interest</div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:1pt;text-align:left;text-decoration:none;text-transform:none;">The proxy interest is an amount of interest that
            is earned to provide compensation for the cost of the Proxy Investment at the beginning of the Index Year. The proxy interest is approximated by the value of amortizing the cost of the Proxy Investment over the Index Year to zero. The formula
            for proxy interest involves the calculation of (i) the beginning Proxy Value and (ii) the time remaining during an Index Year. The time remaining during an Index Year is equal to the number of days remaining in the Index Year divided by 365.
            The proxy interest may be significantly different from current interest rates available on interest bearing investments.</div>
        </div>
        <div type="Block" style="margin-top:20pt;width:100%;">
          <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:0.5pt solid #000000;height:0.5pt;width:100%;">
          <div style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:11pt;margin-bottom:2pt;margin-top:2pt;text-align:center;text-decoration:none;text-transform:none;"> Allianz Index Advantage <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#174; </sup> New York Variable Annuity Prospectus &#8211; April 29, 2022 </div>
          <div style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:11pt;text-align:center;text-decoration:none;text-transform:none;">Appendix B</div>
        </div>
        <div type="Block" style="margin-top:3pt;width:100%;">
          <div style="color:#000000;font-family:Arial;font-size:9pt;font-style:Normal;font-weight:bold;line-height:12pt;text-align:center;text-decoration:none;text-transform:none;">&#160;96&#160;</div>
        </div>
      </div>
      <div style="clear:both;font-size:12pt;height:0pt;">
      </div>
      <hr style="margin-bottom:0pt;">
      <p style="margin:0pt;page-break-before:always;">&#160;
      </p>
      <div style="width:100%;">
        <a name="xx_4a6214d2-d8e6-4947-b071-e05dac3cb8f1_2">
        </a>
        <div style="font-family:Arial;font-size:7pt;line-height:10pt;font-weight:Normal;text-transform:none;text-align:left;vertical-align:bottom;padding-bottom:10pt;">
          <a href="#JOB_Index_3271f810-de27-47d4-9b4d-756928a3a1d0_va-toc">
            Table of Contents
          </a>
        </div>
        <div type="Block" style="width:100%;">
          <div style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;">Additional Information</div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-bottom:2pt;margin-top:2pt;text-align:left;text-decoration:none;text-transform:none;"> You can find a more detailed
              explanation of the calculation of the Proxy Value, including examples, in Exhibit 99(a) of the Form S-1 Registration Statement filed with the SEC, of which this prospectus is a part. This Exhibit is incorporated by reference into this
              prospectus. You can obtain a copy of Exhibit 99(a) by calling (800) 624-0197, or visiting our website at <font style="color:#0000FF;text-decoration:underline;"> allianzlife.com/new-york </font> . </div>
        </div>
        <div type="Block" style="margin-top:608pt;width:100%;">
          <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:0.5pt solid #000000;height:0.5pt;width:100%;">
          <div style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:11pt;margin-bottom:2pt;margin-top:2pt;text-align:center;text-decoration:none;text-transform:none;"> Allianz Index Advantage <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#174; </sup> New York Variable Annuity Prospectus &#8211; April 29, 2022 </div>
          <div style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:11pt;text-align:center;text-decoration:none;text-transform:none;">Appendix B</div>
        </div>
        <div type="Block" style="margin-top:3pt;width:100%;">
          <div style="color:#000000;font-family:Arial;font-size:9pt;font-style:Normal;font-weight:bold;line-height:12pt;text-align:center;text-decoration:none;text-transform:none;">&#160;97&#160;</div>
        </div>
      </div>
      <div style="clear:both;font-size:12pt;height:0pt;">
      </div>
      <hr style="margin-bottom:0pt;">
      <p style="margin:0pt;page-break-before:always;">&#160;
      </p>
      <div style="width:100%;">
        <a name="xx_cd237469-cff0-42b2-83fc-7fdf279e2827_1">
        </a>
        <div style="font-family:Arial;font-size:7pt;line-height:10pt;font-weight:Normal;text-transform:none;text-align:left;vertical-align:bottom;padding-bottom:10pt;">
          <a href="#JOB_Index_3271f810-de27-47d4-9b4d-756928a3a1d0_va-toc">
            Table of Contents
          </a>
        </div>
        <div type="Block" style="width:100%;">
          <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:2pt solid #000000;height:2pt;width:100%;">
          <div style="color:#000000;font-family:Arial;font-size:11pt;font-style:Normal;font-weight:Normal;line-height:13pt;margin-top:5pt;text-align:left;text-decoration:none;text-transform:uppercase;"> Appendix C &#8211; Historical Initial and Renewal Caps </div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:1pt;text-align:left;text-decoration:none;text-transform:none;"> This information regarding the initial and
              renewal Caps is for historical purposes only; it is not a representation as to future Caps. Caps may change frequently, and may vary substantially based on market conditions. </div>
          <div style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:uppercase;">Index Protection NY Strategy</div>
          <div style="text-align:center;">
            <table cellspacing="0" cellpadding="0" id="zd462879ba65b4217bc56fc00211e1ab6" style="border-bottom:0.5pt solid #000000;border-collapse:collapse;border-top:0.5pt solid #000000;empty-cells:show;margin-left:auto;margin-right:auto;margin-top:6pt;width:99.60%;">

                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-bottom:4pt;padding-left:4pt;padding-right:4pt;padding-top:4pt;text-align:left; text-decoration:none;text-transform:none;vertical-align:top;width:100%;">The Index Protection NY Strategy first became available to newly issued Contracts on August 24, 2015. It is not available to Contracts issued before August 24,
                    2015, or that have a Contract number starting with GAZ.
                  </td>
                </tr>

            </table>
          </div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-bottom:2pt;margin-top:2pt;text-align:left;text-decoration:none;text-transform:none; "> Following are the highest and lowest initial and renewal Caps offered for Index Effective Date periods occurring within each calendar year during August 24, 2015 (the date the Index Protection NY Strategy was first available) through
              January 3, 2022. During the periods shown below, the Buffer was 30.00% for each Index. </div>
          <div style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;margin-top:6pt;text-align:center;text-decoration:none;text-transform:none;">Index Effective Dates: 8/24/2015 &#8211; 1/4/2016</div>
          <div style="text-align:left;">
            <table cellspacing="0" cellpadding="0" id="zf47a51e00dc1497a83dfe66085112a26" style="border-collapse:collapse;border-top:0.5pt solid #000000;empty-cells:show;margin-top:0pt;width:99.39%;">

                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:4pt;padding-right:3pt;padding-top:4pt;text-align:right; text-decoration:none;text-transform:none;vertical-align:bottom;white-space:nowrap;width:20.59%;"> Indexes:
                    </td>
                  <td style="line-height:0pt;padding-bottom:2.5pt;padding-right:2.5pt;padding-top:4pt;text-align:right;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td colspan="3" style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:6.5pt;padding-right:2.5pt; padding-top:4pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:17.49%;"> S&amp;P 500 <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#174; </sup> Index
                    </td>
                  <td style="line-height:0pt;padding-bottom:2.5pt;padding-right:2.5pt;padding-top:4pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td colspan="3" style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:6.5pt;padding-right:2.5pt; padding-top:4pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:17.38%;"> Russell 2000 <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#174; </sup> Index
                    </td>
                  <td style="line-height:0pt;padding-bottom:2.5pt;padding-right:2.5pt;padding-top:4pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td colspan="3" style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:6.5pt;padding-right:2.5pt; padding-top:4pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:17.38%;"> Nasdaq-100 <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#174; </sup> Index
                    </td>
                  <td style="line-height:0pt;padding-bottom:2.5pt;padding-right:2.5pt;padding-top:4pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td colspan="3" style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:6.5pt;padding-right:4pt; padding-top:4pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:19.40%;"> EURO STOXX 50 <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#174; </sup>
                  </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:4pt;padding-right:3pt;padding-top:2pt; text-align:left;text-decoration:none;text-transform:none;vertical-align:bottom;white-space:nowrap;width:20.59%;"> Caps
                    </td>
                  <td style="line-height:0pt;padding-bottom:2.5pt;padding-right:2.5pt;padding-top:2pt;text-align:left;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:6.5pt;padding-right:2.5pt; padding-top:2pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;white-space:nowrap;width:7.79%;"> Lowest
                    </td>
                  <td style="line-height:0pt;padding-bottom:2.5pt;padding-right:2.5pt;padding-top:2pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:6.5pt;padding-right:2.5pt; padding-top:2pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;white-space:nowrap;width:7.69%;"> Highest
                    </td>
                  <td style="line-height:0pt;padding-bottom:2.5pt;padding-right:2.5pt;padding-top:2pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:6.5pt;padding-right:2.5pt; padding-top:2pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;white-space:nowrap;width:7.69%;"> Lowest
                    </td>
                  <td style="line-height:0pt;padding-bottom:2.5pt;padding-right:2.5pt;padding-top:2pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:6.5pt;padding-right:2.5pt; padding-top:2pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;white-space:nowrap;width:7.69%;"> Highest
                    </td>
                  <td style="line-height:0pt;padding-bottom:2.5pt;padding-right:2.5pt;padding-top:2pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:6.5pt;padding-right:2.5pt; padding-top:2pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;white-space:nowrap;width:7.69%;"> Lowest
                    </td>
                  <td style="line-height:0pt;padding-bottom:2.5pt;padding-right:2.5pt;padding-top:2pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:6.5pt;padding-right:2.5pt; padding-top:2pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;white-space:nowrap;width:7.69%;"> Highest
                    </td>
                  <td style="line-height:0pt;padding-bottom:2.5pt;padding-right:2.5pt;padding-top:2pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:6.5pt;padding-right:2.5pt; padding-top:2pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;white-space:nowrap;width:7.69%;"> Lowest
                    </td>
                  <td style="line-height:0pt;padding-bottom:2.5pt;padding-right:2.5pt;padding-top:2pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:6.5pt;padding-right:4pt; padding-top:2pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;white-space:nowrap;width:9.70%;"> Highest
                    </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:4pt;padding-right:3pt;padding-top:2pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:20.59%;"> Initial Caps
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:2pt;text-align:left;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:2pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.79%;"> 4.00%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:2pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:2pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 5.75%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:2pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:2pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 4.75%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:2pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:2pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 7.00%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:2pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:2pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 3.50%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:2pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:2pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 6.00%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:2pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:2pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 4.75%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:2pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:4pt;padding-top:2pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:9.70%;"> 6.50%
                    </td>
                </tr>
                <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:4pt;padding-right:3pt;padding-top:1.25pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:20.59%;"> 1st Anniversary Renewal Caps
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:left;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.79%;"> 4.75%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 5.50%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 5.25%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 6.25%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 4.50%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 5.25%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 5.25%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:4pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:9.70%;"> 6.25%
                    </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:4pt;padding-right:3pt;padding-top:1.25pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:20.59%;"> 2nd Anniversary Renewal Caps
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:left;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.79%;"> 4.00%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 5.00%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 4.25%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 5.75%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 4.00%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 5.00%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 5.75%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:4pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:9.70%;"> 7.25%
                    </td>
                </tr>
                <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:4pt;padding-right:3pt;padding-top:1.25pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:20.59%;"> 3rd Anniversary Renewal Caps
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:left;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.79%;"> 5.25%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 5.75%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 5.25%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 6.00%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 5.50%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 6.50%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 8.75%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:4pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:9.70%;"> 8.75%
                    </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:4pt;padding-right:3pt;padding-top:1.25pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:20.59%;"> 4th Anniversary Renewal Caps
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:left;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.79%;"> 5.25%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 6.00%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 5.50%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 6.25%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 5.25%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 6.25%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 8.25%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:4pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:9.70%;"> 9.25%
                    </td>
                </tr>
                <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:4pt;padding-right:3pt;padding-top:1.25pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:20.59%;"> 5th Anniversary Renewal Caps
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:left;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.79%;"> 7.75%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 9.25%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 8.75%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 10.75%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 9.00%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 12.25%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 8.50%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:4pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:9.70%;"> 10.00%
                    </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:4pt;padding-right:3pt;padding-top:1.25pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:20.59%;"> 6th Anniversary Renewal Caps
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:left;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.79%;"> 6.75%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 7.25%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 7.75%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 9.25%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 7.25%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 8.00%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 8.25%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:4pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:9.70%;"> 9.00%
                    </td>
                </tr>

            </table>
          </div>
          <div style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;margin-top:9pt;text-align:center;text-decoration:none;text-transform:none;">Index Effective Dates: 1/5/2016 &#8211; 1/2/2017</div>
          <div style="text-align:left;">
            <table cellspacing="0" cellpadding="0" id="z2ea1867b1888495baddc7b3dd36b0ee9" style="border-collapse:collapse;border-top:0.5pt solid #000000;empty-cells:show;margin-top:0pt;width:99.39%;">

                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:4pt;padding-right:3pt;padding-top:4pt;text-align:right; text-decoration:none;text-transform:none;vertical-align:bottom;white-space:nowrap;width:20.59%;"> Indexes:
                    </td>
                  <td style="line-height:0pt;padding-bottom:2.5pt;padding-right:2.5pt;padding-top:4pt;text-align:right;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td colspan="3" style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:6.5pt;padding-right:2.5pt; padding-top:4pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:17.49%;"> S&amp;P 500 <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#174; </sup> Index
                    </td>
                  <td style="line-height:0pt;padding-bottom:2.5pt;padding-right:2.5pt;padding-top:4pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td colspan="3" style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:6.5pt;padding-right:2.5pt; padding-top:4pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:17.38%;"> Russell 2000 <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#174; </sup> Index
                    </td>
                  <td style="line-height:0pt;padding-bottom:2.5pt;padding-right:2.5pt;padding-top:4pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td colspan="3" style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:6.5pt;padding-right:2.5pt; padding-top:4pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:17.38%;"> Nasdaq-100 <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#174; </sup> Index
                    </td>
                  <td style="line-height:0pt;padding-bottom:2.5pt;padding-right:2.5pt;padding-top:4pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td colspan="3" style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:6.5pt;padding-right:4pt; padding-top:4pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:19.40%;"> EURO STOXX 50 <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#174; </sup>
                  </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:4pt;padding-right:3pt;padding-top:2pt; text-align:left;text-decoration:none;text-transform:none;vertical-align:bottom;white-space:nowrap;width:20.59%;"> Caps
                    </td>
                  <td style="line-height:0pt;padding-bottom:2.5pt;padding-right:2.5pt;padding-top:2pt;text-align:left;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:6.5pt;padding-right:2.5pt; padding-top:2pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;white-space:nowrap;width:7.79%;"> Lowest
                    </td>
                  <td style="line-height:0pt;padding-bottom:2.5pt;padding-right:2.5pt;padding-top:2pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:6.5pt;padding-right:2.5pt; padding-top:2pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;white-space:nowrap;width:7.69%;"> Highest
                    </td>
                  <td style="line-height:0pt;padding-bottom:2.5pt;padding-right:2.5pt;padding-top:2pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:6.5pt;padding-right:2.5pt; padding-top:2pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;white-space:nowrap;width:7.69%;"> Lowest
                    </td>
                  <td style="line-height:0pt;padding-bottom:2.5pt;padding-right:2.5pt;padding-top:2pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:6.5pt;padding-right:2.5pt; padding-top:2pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;white-space:nowrap;width:7.69%;"> Highest
                    </td>
                  <td style="line-height:0pt;padding-bottom:2.5pt;padding-right:2.5pt;padding-top:2pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:6.5pt;padding-right:2.5pt; padding-top:2pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;white-space:nowrap;width:7.69%;"> Lowest
                    </td>
                  <td style="line-height:0pt;padding-bottom:2.5pt;padding-right:2.5pt;padding-top:2pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:6.5pt;padding-right:2.5pt; padding-top:2pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;white-space:nowrap;width:7.69%;"> Highest
                    </td>
                  <td style="line-height:0pt;padding-bottom:2.5pt;padding-right:2.5pt;padding-top:2pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:6.5pt;padding-right:2.5pt; padding-top:2pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;white-space:nowrap;width:7.69%;"> Lowest
                    </td>
                  <td style="line-height:0pt;padding-bottom:2.5pt;padding-right:2.5pt;padding-top:2pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:6.5pt;padding-right:4pt; padding-top:2pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;white-space:nowrap;width:9.70%;"> Highest
                    </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:4pt;padding-right:3pt;padding-top:2pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:20.59%;"> Initial Caps
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:2pt;text-align:left;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:2pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.79%;"> 4.75%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:2pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:2pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 6.00%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:2pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:2pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 5.25%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:2pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:2pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 6.75%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:2pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:2pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 4.50%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:2pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:2pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 5.50%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:2pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:2pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 5.25%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:2pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:4pt;padding-top:2pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:9.70%;"> 6.75%
                    </td>
                </tr>
                <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:4pt;padding-right:3pt;padding-top:1.25pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:20.59%;"> 1st Anniversary Renewal Caps
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:left;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.79%;"> 4.00%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 5.00%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 4.25%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 5.75%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 4.00%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 5.00%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 5.25%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:4pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:9.70%;"> 7.25%
                    </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:4pt;padding-right:3pt;padding-top:1.25pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:20.59%;"> 2nd Anniversary Renewal Caps
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:left;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.79%;"> 4.50%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 6.00%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 5.25%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 6.50%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 5.00%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 6.50%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 7.00%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:4pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:9.70%;"> 9.25%
                    </td>
                </tr>
                <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:4pt;padding-right:3pt;padding-top:1.25pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:20.59%;"> 3rd Anniversary Renewal Caps
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:left;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.79%;"> 5.25%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 6.00%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 5.50%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 6.25%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 5.25%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 6.25%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 8.25%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:4pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:9.70%;"> 10.00%
                    </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:4pt;padding-right:3pt;padding-top:1.25pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:20.59%;"> 4th Anniversary Renewal Caps
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:left;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.79%;"> 5.50%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 9.25%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 5.50%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 10.75%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 5.50%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 12.25%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 8.00%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:4pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:9.70%;"> 10.75%
                    </td>
                </tr>
                <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:4pt;padding-right:3pt;padding-top:1.25pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:20.59%;"> 5th Anniversary Renewal Caps
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:left;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.79%;"> 6.75%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 8.00%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 7.75%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 10.75%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 7.25%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 9.50%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 7.75%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:4pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:9.70%;"> 9.00%
                    </td>
                </tr>

            </table>
          </div>
          <div style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;margin-top:9pt;text-align:center;text-decoration:none;text-transform:none;">Index Effective Dates: 1/3/2017 &#8211; 1/2/2018</div>
          <div style="text-align:left;">
            <table cellspacing="0" cellpadding="0" id="z41ab13e3c4fc4e8b8037bc8da57bb60e" style="border-collapse:collapse;border-top:0.5pt solid #000000;empty-cells:show;margin-top:0pt;width:99.39%;">

                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:4pt;padding-right:3pt;padding-top:4pt;text-align:right; text-decoration:none;text-transform:none;vertical-align:bottom;white-space:nowrap;width:20.59%;"> Indexes:
                    </td>
                  <td style="line-height:0pt;padding-bottom:2.5pt;padding-right:2.5pt;padding-top:4pt;text-align:right;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td colspan="3" style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:6.5pt;padding-right:2.5pt; padding-top:4pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:17.49%;"> S&amp;P 500 <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#174; </sup> Index
                    </td>
                  <td style="line-height:0pt;padding-bottom:2.5pt;padding-right:2.5pt;padding-top:4pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td colspan="3" style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:6.5pt;padding-right:2.5pt; padding-top:4pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:17.38%;"> Russell 2000 <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#174; </sup> Index
                    </td>
                  <td style="line-height:0pt;padding-bottom:2.5pt;padding-right:2.5pt;padding-top:4pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td colspan="3" style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:6.5pt;padding-right:2.5pt; padding-top:4pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:17.38%;"> Nasdaq-100 <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#174; </sup> Index
                    </td>
                  <td style="line-height:0pt;padding-bottom:2.5pt;padding-right:2.5pt;padding-top:4pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td colspan="3" style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:6.5pt;padding-right:4pt; padding-top:4pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:19.40%;"> EURO STOXX 50 <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#174; </sup>
                  </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:4pt;padding-right:3pt;padding-top:2pt; text-align:left;text-decoration:none;text-transform:none;vertical-align:bottom;white-space:nowrap;width:20.59%;"> Caps
                    </td>
                  <td style="line-height:0pt;padding-bottom:2.5pt;padding-right:2.5pt;padding-top:2pt;text-align:left;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:6.5pt;padding-right:2.5pt; padding-top:2pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;white-space:nowrap;width:7.79%;"> Lowest
                    </td>
                  <td style="line-height:0pt;padding-bottom:2.5pt;padding-right:2.5pt;padding-top:2pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:6.5pt;padding-right:2.5pt; padding-top:2pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;white-space:nowrap;width:7.69%;"> Highest
                    </td>
                  <td style="line-height:0pt;padding-bottom:2.5pt;padding-right:2.5pt;padding-top:2pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:6.5pt;padding-right:2.5pt; padding-top:2pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;white-space:nowrap;width:7.69%;"> Lowest
                    </td>
                  <td style="line-height:0pt;padding-bottom:2.5pt;padding-right:2.5pt;padding-top:2pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:6.5pt;padding-right:2.5pt; padding-top:2pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;white-space:nowrap;width:7.69%;"> Highest
                    </td>
                  <td style="line-height:0pt;padding-bottom:2.5pt;padding-right:2.5pt;padding-top:2pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:6.5pt;padding-right:2.5pt; padding-top:2pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;white-space:nowrap;width:7.69%;"> Lowest
                    </td>
                  <td style="line-height:0pt;padding-bottom:2.5pt;padding-right:2.5pt;padding-top:2pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:6.5pt;padding-right:2.5pt; padding-top:2pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;white-space:nowrap;width:7.69%;"> Highest
                    </td>
                  <td style="line-height:0pt;padding-bottom:2.5pt;padding-right:2.5pt;padding-top:2pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:6.5pt;padding-right:2.5pt; padding-top:2pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;white-space:nowrap;width:7.69%;"> Lowest
                    </td>
                  <td style="line-height:0pt;padding-bottom:2.5pt;padding-right:2.5pt;padding-top:2pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:6.5pt;padding-right:4pt; padding-top:2pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;white-space:nowrap;width:9.70%;"> Highest
                    </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:4pt;padding-right:3pt;padding-top:2pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:20.59%;"> Initial Caps
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:2pt;text-align:left;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:2pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.79%;"> 4.25%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:2pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:2pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 5.75%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:2pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:2pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 5.00%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:2pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:2pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 6.50%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:2pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:2pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 4.25%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:2pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:2pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 5.50%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:2pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:2pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 5.25%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:2pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:4pt;padding-top:2pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:9.70%;"> 7.00%
                    </td>
                </tr>
                <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:4pt;padding-right:3pt;padding-top:1.25pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:20.59%;"> 1st Anniversary Renewal Caps
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:left;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.79%;"> 4.50%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 6.25%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 5.25%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 6.50%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 5.00%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 6.75%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 7.00%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:4pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:9.70%;"> 10.00%
                    </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:4pt;padding-right:3pt;padding-top:1.25pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:20.59%;"> 2nd Anniversary Renewal Caps
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:left;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.79%;"> 5.25%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 6.75%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 5.50%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 6.75%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 5.50%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 7.00%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 8.25%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:4pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:9.70%;"> 10.25%
                    </td>
                </tr>
                <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:4pt;padding-right:3pt;padding-top:1.25pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:20.59%;"> 3rd Anniversary Renewal Caps
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:left;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.79%;"> 5.50%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 10.25%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 5.50%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 11.50%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 5.50%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 12.25%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 8.00%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:4pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:9.70%;"> 11.00%
                    </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:4pt;padding-right:3pt;padding-top:1.25pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:20.59%;"> 4th Anniversary Renewal Caps
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:left;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.79%;"> 6.75%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 8.00%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 8.00%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 10.75%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 7.25%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 9.50%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 7.75%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:4pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:9.70%;"> 9.50%
                    </td>
                </tr>

            </table>
          </div>
          <div style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;margin-top:9pt;text-align:center;text-decoration:none;text-transform:none;">Index Effective Dates: 1/3/2018 &#8211; 1/1/2019</div>
          <div style="text-align:left;">
            <table cellspacing="0" cellpadding="0" id="zf36000c15d0946fca10091f0e5339304" style="border-collapse:collapse;border-top:0.5pt solid #000000;empty-cells:show;margin-top:0pt;width:99.39%;">

                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:4pt;padding-right:3pt;padding-top:4pt;text-align:right; text-decoration:none;text-transform:none;vertical-align:bottom;white-space:nowrap;width:20.59%;"> Indexes:
                    </td>
                  <td style="line-height:0pt;padding-bottom:2.5pt;padding-right:2.5pt;padding-top:4pt;text-align:right;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td colspan="3" style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:6.5pt;padding-right:2.5pt; padding-top:4pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:17.49%;"> S&amp;P 500 <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#174; </sup> Index
                    </td>
                  <td style="line-height:0pt;padding-bottom:2.5pt;padding-right:2.5pt;padding-top:4pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td colspan="3" style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:6.5pt;padding-right:2.5pt; padding-top:4pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:17.38%;"> Russell 2000 <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#174; </sup> Index
                    </td>
                  <td style="line-height:0pt;padding-bottom:2.5pt;padding-right:2.5pt;padding-top:4pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td colspan="3" style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:6.5pt;padding-right:2.5pt; padding-top:4pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:17.38%;"> Nasdaq-100 <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#174; </sup> Index
                    </td>
                  <td style="line-height:0pt;padding-bottom:2.5pt;padding-right:2.5pt;padding-top:4pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td colspan="3" style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:6.5pt;padding-right:4pt; padding-top:4pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:19.40%;"> EURO STOXX 50 <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#174; </sup>
                  </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:4pt;padding-right:3pt;padding-top:2pt; text-align:left;text-decoration:none;text-transform:none;vertical-align:bottom;white-space:nowrap;width:20.59%;"> Caps
                    </td>
                  <td style="line-height:0pt;padding-bottom:2.5pt;padding-right:2.5pt;padding-top:2pt;text-align:left;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:6.5pt;padding-right:2.5pt; padding-top:2pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;white-space:nowrap;width:7.79%;"> Lowest
                    </td>
                  <td style="line-height:0pt;padding-bottom:2.5pt;padding-right:2.5pt;padding-top:2pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:6.5pt;padding-right:2.5pt; padding-top:2pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;white-space:nowrap;width:7.69%;"> Highest
                    </td>
                  <td style="line-height:0pt;padding-bottom:2.5pt;padding-right:2.5pt;padding-top:2pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:6.5pt;padding-right:2.5pt; padding-top:2pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;white-space:nowrap;width:7.69%;"> Lowest
                    </td>
                  <td style="line-height:0pt;padding-bottom:2.5pt;padding-right:2.5pt;padding-top:2pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:6.5pt;padding-right:2.5pt; padding-top:2pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;white-space:nowrap;width:7.69%;"> Highest
                    </td>
                  <td style="line-height:0pt;padding-bottom:2.5pt;padding-right:2.5pt;padding-top:2pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:6.5pt;padding-right:2.5pt; padding-top:2pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;white-space:nowrap;width:7.69%;"> Lowest
                    </td>
                  <td style="line-height:0pt;padding-bottom:2.5pt;padding-right:2.5pt;padding-top:2pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:6.5pt;padding-right:2.5pt; padding-top:2pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;white-space:nowrap;width:7.69%;"> Highest
                    </td>
                  <td style="line-height:0pt;padding-bottom:2.5pt;padding-right:2.5pt;padding-top:2pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:6.5pt;padding-right:2.5pt; padding-top:2pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;white-space:nowrap;width:7.69%;"> Lowest
                    </td>
                  <td style="line-height:0pt;padding-bottom:2.5pt;padding-right:2.5pt;padding-top:2pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:6.5pt;padding-right:4pt; padding-top:2pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;white-space:nowrap;width:9.70%;"> Highest
                    </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:4pt;padding-right:3pt;padding-top:2pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:20.59%;"> Initial Caps
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:2pt;text-align:left;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:2pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.79%;"> 4.75%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:2pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:2pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 7.50%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:2pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:2pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 5.50%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:2pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:2pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 7.75%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:2pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:2pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 5.00%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:2pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:2pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 8.00%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:2pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:2pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 7.00%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:2pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:4pt;padding-top:2pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:9.70%;"> 15.75%
                    </td>
                </tr>
                <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:4pt;padding-right:3pt;padding-top:1.25pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:20.59%;"> 1st Anniversary Renewal Caps
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:left;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.79%;"> 5.25%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 6.75%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 5.50%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 7.00%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 5.50%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 7.00%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 8.50%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:4pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:9.70%;"> 12.75%
                    </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:4pt;padding-right:3pt;padding-top:1.25pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:20.59%;"> 2nd Anniversary Renewal Caps
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:left;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.79%;"> 5.50%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 9.25%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 5.50%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 10.50%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 5.50%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 11.50%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 7.25%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:4pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:9.70%;"> 10.75%
                    </td>
                </tr>
                <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:4pt;padding-right:3pt;padding-top:1.25pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:20.59%;"> 3rd Anniversary Renewal Caps
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:left;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.79%;"> 5.50%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 8.00%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 6.75%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 10.75%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 6.25%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 9.75%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 6.50%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:4pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:9.70%;"> 8.75%
                    </td>
                </tr>

            </table>
          </div>
          <div style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;margin-top:9pt;text-align:center;text-decoration:none;text-transform:none;">Index Effective Dates: 1/2/2019 &#8211; 1/6/2020</div>
          <div style="text-align:left;">
            <table cellspacing="0" cellpadding="0" id="zf4f3d09589ab4840a1c5056ec4df9a9e" style="border-collapse:collapse;border-top:0.5pt solid #000000;empty-cells:show;margin-top:0pt;width:99.39%;">

                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:4pt;padding-right:3pt;padding-top:4pt;text-align:right; text-decoration:none;text-transform:none;vertical-align:bottom;white-space:nowrap;width:20.59%;"> Indexes:
                    </td>
                  <td style="line-height:0pt;padding-bottom:2.5pt;padding-right:2.5pt;padding-top:4pt;text-align:right;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td colspan="3" style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:6.5pt;padding-right:2.5pt; padding-top:4pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:17.49%;"> S&amp;P 500 <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#174; </sup> Index
                    </td>
                  <td style="line-height:0pt;padding-bottom:2.5pt;padding-right:2.5pt;padding-top:4pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td colspan="3" style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:6.5pt;padding-right:2.5pt; padding-top:4pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:17.38%;"> Russell 2000 <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#174; </sup> Index
                    </td>
                  <td style="line-height:0pt;padding-bottom:2.5pt;padding-right:2.5pt;padding-top:4pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td colspan="3" style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:6.5pt;padding-right:2.5pt; padding-top:4pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:17.38%;"> Nasdaq-100 <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#174; </sup> Index
                    </td>
                  <td style="line-height:0pt;padding-bottom:2.5pt;padding-right:2.5pt;padding-top:4pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td colspan="3" style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:6.5pt;padding-right:4pt; padding-top:4pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:19.40%;"> EURO STOXX 50 <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#174; </sup>
                  </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:4pt;padding-right:3pt;padding-top:2pt; text-align:left;text-decoration:none;text-transform:none;vertical-align:bottom;white-space:nowrap;width:20.59%;"> Caps
                    </td>
                  <td style="line-height:0pt;padding-bottom:2.5pt;padding-right:2.5pt;padding-top:2pt;text-align:left;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:6.5pt;padding-right:2.5pt; padding-top:2pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;white-space:nowrap;width:7.79%;"> Lowest
                    </td>
                  <td style="line-height:0pt;padding-bottom:2.5pt;padding-right:2.5pt;padding-top:2pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:6.5pt;padding-right:2.5pt; padding-top:2pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;white-space:nowrap;width:7.69%;"> Highest
                    </td>
                  <td style="line-height:0pt;padding-bottom:2.5pt;padding-right:2.5pt;padding-top:2pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:6.5pt;padding-right:2.5pt; padding-top:2pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;white-space:nowrap;width:7.69%;"> Lowest
                    </td>
                  <td style="line-height:0pt;padding-bottom:2.5pt;padding-right:2.5pt;padding-top:2pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:6.5pt;padding-right:2.5pt; padding-top:2pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;white-space:nowrap;width:7.69%;"> Highest
                    </td>
                  <td style="line-height:0pt;padding-bottom:2.5pt;padding-right:2.5pt;padding-top:2pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:6.5pt;padding-right:2.5pt; padding-top:2pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;white-space:nowrap;width:7.69%;"> Lowest
                    </td>
                  <td style="line-height:0pt;padding-bottom:2.5pt;padding-right:2.5pt;padding-top:2pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:6.5pt;padding-right:2.5pt; padding-top:2pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;white-space:nowrap;width:7.69%;"> Highest
                    </td>
                  <td style="line-height:0pt;padding-bottom:2.5pt;padding-right:2.5pt;padding-top:2pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:6.5pt;padding-right:2.5pt; padding-top:2pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;white-space:nowrap;width:7.69%;"> Lowest
                    </td>
                  <td style="line-height:0pt;padding-bottom:2.5pt;padding-right:2.5pt;padding-top:2pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:6.5pt;padding-right:4pt; padding-top:2pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;white-space:nowrap;width:9.70%;"> Highest
                    </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:4pt;padding-right:3pt;padding-top:2pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:20.59%;"> Initial Caps
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:2pt;text-align:left;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:2pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.79%;"> 6.25%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:2pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:2pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 8.50%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:2pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:2pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 6.25%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:2pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:2pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 8.25%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:2pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:2pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 6.25%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:2pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:2pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 9.00%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:2pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:2pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 9.25%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:2pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:4pt;padding-top:2pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:9.70%;"> 17.75%
                    </td>
                </tr>
                <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:4pt;padding-right:3pt;padding-top:1.25pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:20.59%;"> 1st Anniversary Renewal Caps
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:left;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.79%;"> 5.50%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 9.50%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 5.50%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 10.00%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 5.50%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 11.50%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 7.25%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:4pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:9.70%;"> 14.75%
                    </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:4pt;padding-right:3pt;padding-top:1.25pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:20.59%;"> 2nd Anniversary Renewal Caps
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:left;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.79%;"> 5.50%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 7.00%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 6.50%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 9.50%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 6.00%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 8.50%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 6.50%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:4pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:9.70%;"> 10.75%
                    </td>
                </tr>

            </table>
          </div>
        </div>
        <div type="Block" style="margin-top:35pt;width:100%;">
          <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:0.5pt solid #000000;height:0.5pt;width:100%;">
          <div style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:11pt;margin-bottom:2pt;margin-top:2pt;text-align:center;text-decoration:none;text-transform:none;"> Allianz Index Advantage <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#174; </sup> New York Variable Annuity Prospectus &#8211; April 29, 2022 </div>
          <div style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:11pt;text-align:center;text-decoration:none;text-transform:none;"> Appendix C </div>
        </div>
        <div type="Block" style="margin-top:3pt;width:100%;">
          <div style="color:#000000;font-family:Arial;font-size:9pt;font-style:Normal;font-weight:bold;line-height:12pt;text-align:center;text-decoration:none;text-transform:none;">&#160;98&#160;</div>
        </div>
      </div>
      <div style="clear:both;font-size:12pt;height:0pt;">
      </div>
      <hr style="margin-bottom:0pt;">
      <p style="margin:0pt;page-break-before:always;">&#160;
      </p>
      <div style="width:100%;">
        <a name="xx_cd237469-cff0-42b2-83fc-7fdf279e2827_2">
        </a>
        <div style="font-family:Arial;font-size:7pt;line-height:10pt;font-weight:Normal;text-transform:none;text-align:left;vertical-align:bottom;padding-bottom:10pt;">
          <a href="#JOB_Index_3271f810-de27-47d4-9b4d-756928a3a1d0_va-toc">
            Table of Contents
          </a>
        </div>
        <div type="Block" style="width:100%;">
          <div style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;margin-bottom:2pt;margin-top:2pt;text-align:center;text-decoration:none;text-transform:none;"> Index Effective Dates: 1/7/2020
              &#8211; 1/4/2021 </div>
          <div style="text-align:left;">
            <table cellspacing="0" cellpadding="0" id="za1cd4c7e718348febce6783ee9a87c3d" style="border-collapse:collapse;border-top:0.5pt solid #000000;empty-cells:show;margin-top:0pt;width:99.39%;">

                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:4pt;padding-right:3pt;padding-top:4pt;text-align:right; text-decoration:none;text-transform:none;vertical-align:bottom;white-space:nowrap;width:20.59%;"> Indexes:
                    </td>
                  <td style="line-height:0pt;padding-bottom:2.5pt;padding-right:2.5pt;padding-top:4pt;text-align:right;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td colspan="3" style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:6.5pt;padding-right:2.5pt; padding-top:4pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:17.49%;"> S&amp;P 500 <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#174; </sup> Index
                    </td>
                  <td style="line-height:0pt;padding-bottom:2.5pt;padding-right:2.5pt;padding-top:4pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td colspan="3" style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:6.5pt;padding-right:2.5pt; padding-top:4pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:17.38%;"> Russell 2000 <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#174; </sup> Index
                    </td>
                  <td style="line-height:0pt;padding-bottom:2.5pt;padding-right:2.5pt;padding-top:4pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td colspan="3" style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:6.5pt;padding-right:2.5pt; padding-top:4pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:17.38%;"> Nasdaq-100 <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#174; </sup> Index
                    </td>
                  <td style="line-height:0pt;padding-bottom:2.5pt;padding-right:2.5pt;padding-top:4pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td colspan="3" style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:6.5pt;padding-right:4pt; padding-top:4pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:19.40%;"> EURO STOXX 50 <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#174; </sup>
                  </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:4pt;padding-right:3pt;padding-top:2pt; text-align:left;text-decoration:none;text-transform:none;vertical-align:bottom;white-space:nowrap;width:20.59%;"> Caps
                    </td>
                  <td style="line-height:0pt;padding-bottom:2.5pt;padding-right:2.5pt;padding-top:2pt;text-align:left;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:6.5pt;padding-right:2.5pt; padding-top:2pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;white-space:nowrap;width:7.79%;"> Lowest
                    </td>
                  <td style="line-height:0pt;padding-bottom:2.5pt;padding-right:2.5pt;padding-top:2pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:6.5pt;padding-right:2.5pt; padding-top:2pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;white-space:nowrap;width:7.69%;"> Highest
                    </td>
                  <td style="line-height:0pt;padding-bottom:2.5pt;padding-right:2.5pt;padding-top:2pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:6.5pt;padding-right:2.5pt; padding-top:2pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;white-space:nowrap;width:7.69%;"> Lowest
                    </td>
                  <td style="line-height:0pt;padding-bottom:2.5pt;padding-right:2.5pt;padding-top:2pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:6.5pt;padding-right:2.5pt; padding-top:2pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;white-space:nowrap;width:7.69%;"> Highest
                    </td>
                  <td style="line-height:0pt;padding-bottom:2.5pt;padding-right:2.5pt;padding-top:2pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:6.5pt;padding-right:2.5pt; padding-top:2pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;white-space:nowrap;width:7.69%;"> Lowest
                    </td>
                  <td style="line-height:0pt;padding-bottom:2.5pt;padding-right:2.5pt;padding-top:2pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:6.5pt;padding-right:2.5pt; padding-top:2pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;white-space:nowrap;width:7.69%;"> Highest
                    </td>
                  <td style="line-height:0pt;padding-bottom:2.5pt;padding-right:2.5pt;padding-top:2pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:6.5pt;padding-right:2.5pt; padding-top:2pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;white-space:nowrap;width:7.69%;"> Lowest
                    </td>
                  <td style="line-height:0pt;padding-bottom:2.5pt;padding-right:2.5pt;padding-top:2pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:6.5pt;padding-right:4pt; padding-top:2pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;white-space:nowrap;width:9.70%;"> Highest
                    </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:4pt;padding-right:3pt;padding-top:2pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:20.59%;"> Initial Caps
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:2pt;text-align:left;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:2pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.79%;"> 5.50%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:2pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:2pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 10.25%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:2pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:2pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 5.50%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:2pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:2pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 12.00%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:2pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:2pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 5.50%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:2pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:2pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 13.50%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:2pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:2pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 7.25%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:2pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:4pt;padding-top:2pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:9.70%;"> 11.00%
                    </td>
                </tr>
                <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:4pt;padding-right:3pt;padding-top:1.25pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:20.59%;"> 1st Anniversary Renewal Caps
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:left;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.79%;"> 5.50%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 8.00%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 6.50%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 9.50%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 6.00%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 8.75%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 6.50%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:4pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:9.70%;"> 9.25%
                    </td>
                </tr>

            </table>
          </div>
          <div style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;margin-bottom:2pt;margin-top:2pt;text-align:center;text-decoration:none;text-transform:none;"> Index Effective Dates: 1/5/2021
              &#8211; 1/3/2022 </div>
          <div style="text-align:left;">
            <table cellspacing="0" cellpadding="0" id="z62d69283dd864a318c03570949f0182c" style="border-collapse:collapse;border-top:0.5pt solid #000000;empty-cells:show;margin-top:0pt;width:99.39%;">

                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:4pt;padding-right:3pt;padding-top:4pt;text-align:right; text-decoration:none;text-transform:none;vertical-align:bottom;white-space:nowrap;width:20.59%;"> Indexes:
                    </td>
                  <td style="line-height:0pt;padding-bottom:2.5pt;padding-right:2.5pt;padding-top:4pt;text-align:right;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td colspan="3" style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:6.5pt;padding-right:2.5pt; padding-top:4pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:17.49%;"> S&amp;P 500 <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#174; </sup> Index
                    </td>
                  <td style="line-height:0pt;padding-bottom:2.5pt;padding-right:2.5pt;padding-top:4pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td colspan="3" style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:6.5pt;padding-right:2.5pt; padding-top:4pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:17.38%;"> Russell 2000 <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#174; </sup> Index
                    </td>
                  <td style="line-height:0pt;padding-bottom:2.5pt;padding-right:2.5pt;padding-top:4pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td colspan="3" style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:6.5pt;padding-right:2.5pt; padding-top:4pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:17.38%;"> Nasdaq-100 <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#174; </sup> Index
                    </td>
                  <td style="line-height:0pt;padding-bottom:2.5pt;padding-right:2.5pt;padding-top:4pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td colspan="3" style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:6.5pt;padding-right:4pt; padding-top:4pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:19.40%;"> EURO STOXX 50 <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#174; </sup>
                  </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:4pt;padding-right:3pt;padding-top:2pt; text-align:left;text-decoration:none;text-transform:none;vertical-align:bottom;white-space:nowrap;width:20.59%;"> Caps
                    </td>
                  <td style="line-height:0pt;padding-bottom:2.5pt;padding-right:2.5pt;padding-top:2pt;text-align:left;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:6.5pt;padding-right:2.5pt; padding-top:2pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;white-space:nowrap;width:7.79%;"> Lowest
                    </td>
                  <td style="line-height:0pt;padding-bottom:2.5pt;padding-right:2.5pt;padding-top:2pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:6.5pt;padding-right:2.5pt; padding-top:2pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;white-space:nowrap;width:7.69%;"> Highest
                    </td>
                  <td style="line-height:0pt;padding-bottom:2.5pt;padding-right:2.5pt;padding-top:2pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:6.5pt;padding-right:2.5pt; padding-top:2pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;white-space:nowrap;width:7.69%;"> Lowest
                    </td>
                  <td style="line-height:0pt;padding-bottom:2.5pt;padding-right:2.5pt;padding-top:2pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:6.5pt;padding-right:2.5pt; padding-top:2pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;white-space:nowrap;width:7.69%;"> Highest
                    </td>
                  <td style="line-height:0pt;padding-bottom:2.5pt;padding-right:2.5pt;padding-top:2pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:6.5pt;padding-right:2.5pt; padding-top:2pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;white-space:nowrap;width:7.69%;"> Lowest
                    </td>
                  <td style="line-height:0pt;padding-bottom:2.5pt;padding-right:2.5pt;padding-top:2pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:6.5pt;padding-right:2.5pt; padding-top:2pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;white-space:nowrap;width:7.69%;"> Highest
                    </td>
                  <td style="line-height:0pt;padding-bottom:2.5pt;padding-right:2.5pt;padding-top:2pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:6.5pt;padding-right:2.5pt; padding-top:2pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;white-space:nowrap;width:7.69%;"> Lowest
                    </td>
                  <td style="line-height:0pt;padding-bottom:2.5pt;padding-right:2.5pt;padding-top:2pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:6.5pt;padding-right:4pt; padding-top:2pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;white-space:nowrap;width:9.70%;"> Highest
                    </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:4pt;padding-right:3pt;padding-top:2pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:20.59%;"> Initial Caps
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:2pt;text-align:left;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:2pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.79%;"> 5.50%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:2pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:2pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 7.00%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:2pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:2pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 6.50%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:2pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:2pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 9.50%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:2pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:2pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 6.00%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:2pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:2pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 8.50%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:2pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:2pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 6.25%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:2pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:4pt;padding-top:2pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:9.70%;"> 8.00%
                    </td>
                </tr>

            </table>
          </div>
        </div>
        <div type="Block" style="margin-top:547pt;width:100%;">
          <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:0.5pt solid #000000;height:0.5pt;width:100%;">
          <div style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:11pt;margin-bottom:2pt;margin-top:2pt;text-align:center;text-decoration:none;text-transform:none;"> Allianz Index Advantage <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#174; </sup> New York Variable Annuity Prospectus &#8211; April 29, 2022 </div>
          <div style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:11pt;text-align:center;text-decoration:none;text-transform:none;"> Appendix C </div>
        </div>
        <div type="Block" style="margin-top:3pt;width:100%;">
          <div style="color:#000000;font-family:Arial;font-size:9pt;font-style:Normal;font-weight:bold;line-height:12pt;text-align:center;text-decoration:none;text-transform:none;">&#160;99&#160;</div>
        </div>
      </div>
      <div style="clear:both;font-size:12pt;height:0pt;">
      </div>
      <hr style="margin-bottom:0pt;">
      <p style="margin:0pt;page-break-before:always;">&#160;
      </p>
      <div style="width:100%;">
        <a name="xx_cd237469-cff0-42b2-83fc-7fdf279e2827_3">
        </a>
        <div style="font-family:Arial;font-size:7pt;line-height:10pt;font-weight:Normal;text-transform:none;text-align:left;vertical-align:bottom;padding-bottom:10pt;">
          <a href="#JOB_Index_3271f810-de27-47d4-9b4d-756928a3a1d0_va-toc">
            Table of Contents
          </a>
        </div>
        <div type="Block" style="width:100%;">
          <div style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;margin-top:12pt;text-align:left;text-decoration:none;text-transform:uppercase;">Index Performance Strategy</div>
          <div style="text-align:center;">
            <table cellspacing="0" cellpadding="0" id="z99a2a5c6c3014c3884d99addd0efdfeb" style="border-bottom:0.5pt solid #000000;border-collapse:collapse;border-top:0.5pt solid #000000;empty-cells:show;margin-left:auto;margin-right:auto;margin-top:6pt;width:99.60%;">

                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-bottom:4pt;padding-left:4pt;padding-right:4pt;padding-top:4pt;text-align:left; text-decoration:none;text-transform:none;vertical-align:top;width:100%;">The Index Performance Strategy with the EURO STOXX 50<sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;">&#174;</sup> first became available to newly
                    issued Contracts on August 24, 2015. It is not available issued before August 24, 2015, or that have a Contract number starting with GAZ.
                  </td>
                </tr>

            </table>
          </div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-bottom:2pt;margin-top:2pt;text-align:left;text-decoration:none;text-transform:none; "> Following are the highest and lowest initial and renewal Caps offered for Index Effective Date periods occurring within each calendar year during July 1, 2014 (the date the Contracts were first issued), through January 3, 2022. The Buffer
              was 10.00% for each Index. </div>
          <div style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;margin-top:6pt;text-align:center;text-decoration:none;text-transform:none;">Index Effective Dates: 7/1/2014 &#8211; 1/5/2015</div>
          <div style="text-align:left;">
            <table cellspacing="0" cellpadding="0" id="z792712e802ef4ca78ded4618322d7b8e" style="border-collapse:collapse;border-top:0.5pt solid #000000;empty-cells:show;margin-top:0pt;width:81.13%;">

                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:4pt;padding-right:3pt;padding-top:4pt;text-align:right; text-decoration:none;text-transform:none;vertical-align:bottom;white-space:nowrap;width:25.70%;"> Indexes:
                    </td>
                  <td style="line-height:0pt;padding-bottom:2.5pt;padding-right:2.5pt;padding-top:4pt;text-align:right;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td colspan="3" style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:6.5pt;padding-right:2.5pt; padding-top:4pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:21.98%;"> S&amp;P 500 <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#174; </sup> Index
                    </td>
                  <td style="line-height:0pt;padding-bottom:2.5pt;padding-right:2.5pt;padding-top:4pt;text-align:center;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td colspan="3" style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:6.5pt;padding-right:2.5pt; padding-top:4pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:21.85%;"> Russell 2000 <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#174; </sup> Index
                    </td>
                  <td style="line-height:0pt;padding-bottom:2.5pt;padding-right:2.5pt;padding-top:4pt;text-align:center;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td colspan="3" style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:6.5pt;padding-right:4pt; padding-top:4pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:23.85%;"> Nasdaq-100 <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#174; </sup> Index
                    </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:4pt;padding-right:3pt;padding-top:2pt; text-align:left;text-decoration:none;text-transform:none;vertical-align:bottom;white-space:nowrap;width:25.70%;"> Caps
                    </td>
                  <td style="line-height:0pt;padding-bottom:2.5pt;padding-right:2.5pt;padding-top:2pt;text-align:left;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:6.5pt;padding-right:2.5pt; padding-top:2pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;white-space:nowrap;width:10.05%;"> Lowest
                    </td>
                  <td style="line-height:0pt;padding-bottom:2.5pt;padding-right:2.5pt;padding-top:2pt;text-align:center;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:6.5pt;padding-right:2.5pt; padding-top:2pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;white-space:nowrap;width:9.93%;"> Highest
                    </td>
                  <td style="line-height:0pt;padding-bottom:2.5pt;padding-right:2.5pt;padding-top:2pt;text-align:center;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:6.5pt;padding-right:2.5pt; padding-top:2pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;white-space:nowrap;width:9.92%;"> Lowest
                    </td>
                  <td style="line-height:0pt;padding-bottom:2.5pt;padding-right:2.5pt;padding-top:2pt;text-align:center;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:6.5pt;padding-right:2.5pt; padding-top:2pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;white-space:nowrap;width:9.92%;"> Highest
                    </td>
                  <td style="line-height:0pt;padding-bottom:2.5pt;padding-right:2.5pt;padding-top:2pt;text-align:center;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:6.5pt;padding-right:2.5pt; padding-top:2pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;white-space:nowrap;width:9.92%;"> Lowest
                    </td>
                  <td style="line-height:0pt;padding-bottom:2.5pt;padding-right:2.5pt;padding-top:2pt;text-align:center;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:6.5pt;padding-right:4pt; padding-top:2pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;white-space:nowrap;width:11.92%;"> Highest
                    </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:4pt;padding-right:3pt;padding-top:2pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:25.70%;"> Initial Caps
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:2pt;text-align:left;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:2pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:10.05%;"> 12.50%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:2pt;text-align:center;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:2pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:9.93%;"> 13.50%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:2pt;text-align:center;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:2pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:9.92%;"> 14.75%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:2pt;text-align:center;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:2pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:9.92%;"> 15.75%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:2pt;text-align:center;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:2pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:9.92%;"> 11.75%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:2pt;text-align:center;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:4pt;padding-top:2pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:11.92%;"> 13.00%
                    </td>
                </tr>
                <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:4pt;padding-right:3pt;padding-top:1.25pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:25.70%;"> 1st Anniversary Renewal Caps
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:left;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:10.05%;"> 10.50%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:9.93%;"> 15.50%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:9.92%;"> 13.50%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:9.92%;"> 17.50%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:9.92%;"> 9.75%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:4pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:11.92%;"> 15.25%
                    </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:4pt;padding-right:3pt;padding-top:1.25pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:25.70%;"> 2nd Anniversary Renewal Caps
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:left;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:10.05%;"> 10.75%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:9.93%;"> 13.25%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:9.92%;"> 13.75%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:9.92%;"> 16.50%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:9.92%;"> 10.75%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:4pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:11.92%;"> 13.00%
                    </td>
                </tr>
                <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:4pt;padding-right:3pt;padding-top:1.25pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:25.70%;"> 3rd Anniversary Renewal Caps
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:left;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:10.05%;"> 9.25%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:9.93%;"> 10.25%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:9.92%;"> 12.00%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:9.92%;"> 14.25%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:9.92%;"> 10.00%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:4pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:11.92%;"> 11.00%
                    </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:4pt;padding-right:3pt;padding-top:1.25pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:25.70%;"> 4th Anniversary Renewal Caps
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:left;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:10.05%;"> 10.50%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:9.93%;"> 12.00%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:9.92%;"> 11.00%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:9.92%;"> 13.00%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:9.92%;"> 11.75%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:4pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:11.92%;"> 14.25%
                    </td>
                </tr>
                <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:4pt;padding-right:3pt;padding-top:1.25pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:25.70%;"> 5th Anniversary Renewal Caps
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:left;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:10.05%;"> 10.50%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:9.93%;"> 13.25%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:9.92%;"> 12.25%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:9.92%;"> 14.75%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:9.92%;"> 11.50%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:4pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:11.92%;"> 14.25%
                    </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:4pt;padding-right:3pt;padding-top:1.25pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:25.70%;"> 6th Anniversary Renewal Caps
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:left;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:10.05%;"> 17.50%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:9.93%;"> 20.25%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:9.92%;"> 19.00%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:9.92%;"> 24.00%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:9.92%;"> 18.75%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:4pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:11.92%;"> 23.75%
                    </td>
                </tr>
                <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:4pt;padding-right:3pt;padding-top:1.25pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:25.70%;"> 7th Anniversary Renewal Caps
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:left;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:10.05%;"> 15.00%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:9.93%;"> 15.75%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:9.92%;"> 17.50%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:9.92%;"> 20.50%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:9.92%;"> 16.00%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:4pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:11.92%;"> 17.75%
                    </td>
                </tr>

            </table>
          </div>
          <div style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;margin-top:9pt;text-align:center;text-decoration:none;text-transform:none;">Index Effective Dates: 1/6/2015 &#8211; 1/4/2016</div>
          <div style="text-align:left;">
            <table cellspacing="0" cellpadding="0" id="z50b96ed6388e429087c62786d5fb518b" style="border-collapse:collapse;border-top:0.5pt solid #000000;empty-cells:show;margin-top:0pt;width:99.39%;">

                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:4pt;padding-right:3pt;padding-top:4pt;text-align:right; text-decoration:none;text-transform:none;vertical-align:bottom;white-space:nowrap;width:20.59%;"> Indexes:
                    </td>
                  <td style="line-height:0pt;padding-bottom:2.5pt;padding-right:2.5pt;padding-top:4pt;text-align:right;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td colspan="3" style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:6.5pt;padding-right:2.5pt; padding-top:4pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:17.49%;"> S&amp;P 500 <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#174; </sup> Index
                    </td>
                  <td style="line-height:0pt;padding-bottom:2.5pt;padding-right:2.5pt;padding-top:4pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td colspan="3" style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:6.5pt;padding-right:2.5pt; padding-top:4pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:17.38%;"> Russell 2000 <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#174; </sup> Index
                    </td>
                  <td style="line-height:0pt;padding-bottom:2.5pt;padding-right:2.5pt;padding-top:4pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td colspan="3" style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:6.5pt;padding-right:2.5pt; padding-top:4pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:17.38%;"> Nasdaq-100 <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#174; </sup> Index
                    </td>
                  <td style="line-height:0pt;padding-bottom:2.5pt;padding-right:2.5pt;padding-top:4pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td colspan="3" style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:6.5pt;padding-right:4pt; padding-top:4pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:19.40%;"> EURO STOXX 50 <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#174; </sup>
                  </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:4pt;padding-right:3pt;padding-top:2pt; text-align:left;text-decoration:none;text-transform:none;vertical-align:bottom;white-space:nowrap;width:20.59%;"> Caps
                    </td>
                  <td style="line-height:0pt;padding-bottom:2.5pt;padding-right:2.5pt;padding-top:2pt;text-align:left;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:6.5pt;padding-right:2.5pt; padding-top:2pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;white-space:nowrap;width:7.79%;"> Lowest
                    </td>
                  <td style="line-height:0pt;padding-bottom:2.5pt;padding-right:2.5pt;padding-top:2pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:6.5pt;padding-right:2.5pt; padding-top:2pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;white-space:nowrap;width:7.69%;"> Highest
                    </td>
                  <td style="line-height:0pt;padding-bottom:2.5pt;padding-right:2.5pt;padding-top:2pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:6.5pt;padding-right:2.5pt; padding-top:2pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;white-space:nowrap;width:7.69%;"> Lowest
                    </td>
                  <td style="line-height:0pt;padding-bottom:2.5pt;padding-right:2.5pt;padding-top:2pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:6.5pt;padding-right:2.5pt; padding-top:2pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;white-space:nowrap;width:7.69%;"> Highest
                    </td>
                  <td style="line-height:0pt;padding-bottom:2.5pt;padding-right:2.5pt;padding-top:2pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:6.5pt;padding-right:2.5pt; padding-top:2pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;white-space:nowrap;width:7.69%;"> Lowest
                    </td>
                  <td style="line-height:0pt;padding-bottom:2.5pt;padding-right:2.5pt;padding-top:2pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:6.5pt;padding-right:2.5pt; padding-top:2pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;white-space:nowrap;width:7.69%;"> Highest
                    </td>
                  <td style="line-height:0pt;padding-bottom:2.5pt;padding-right:2.5pt;padding-top:2pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:6.5pt;padding-right:2.5pt; padding-top:2pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;white-space:nowrap;width:7.69%;"> Lowest
                    </td>
                  <td style="line-height:0pt;padding-bottom:2.5pt;padding-right:2.5pt;padding-top:2pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:6.5pt;padding-right:4pt; padding-top:2pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;white-space:nowrap;width:9.70%;"> Highest
                    </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:4pt;padding-right:3pt;padding-top:2pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:20.59%;"> Initial Caps <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> 1 </sup>
                  </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:2pt;text-align:left;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:2pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.79%;"> 10.50%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:2pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:2pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 15.50%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:2pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:2pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 13.25%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:2pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:2pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 17.50%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:2pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:2pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 9.75%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:2pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:2pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 15.25%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:2pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:2pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 13.50%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:2pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:4pt;padding-top:2pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:9.70%;"> 17.50%
                    </td>
                </tr>
                <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:4pt;padding-right:3pt;padding-top:1.25pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:20.59%;"> 1st Anniversary Renewal Caps <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> 2 </sup>
                  </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:left;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.79%;"> 10.75%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 15.50%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 13.75%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 18.50%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 10.75%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 15.00%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 13.75%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:4pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:9.70%;"> 16.50%
                    </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:4pt;padding-right:3pt;padding-top:1.25pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:20.59%;"> 2nd Anniversary Renewal Caps <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> 3 </sup>
                  </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:left;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.79%;"> 9.25%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 12.00%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 12.00%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 16.50%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 9.50%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 12.00%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 22.00%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:4pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:9.70%;"> 25.00%
                    </td>
                </tr>
                <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:4pt;padding-right:3pt;padding-top:1.25pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:20.59%;"> 3rd Anniversary Renewal Caps <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> 4 </sup>
                  </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:left;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.79%;"> 9.25%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 13.75%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 11.00%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 14.50%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 10.75%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 15.50%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 24.00%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:4pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:9.70%;"> 25.00%
                    </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:4pt;padding-right:3pt;padding-top:1.25pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:20.59%;"> 4th Anniversary Renewal Caps <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> 5 </sup>
                  </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:left;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.79%;"> 10.50%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 13.25%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 12.00%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 14.75%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 11.50%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 15.00%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 25.00%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:4pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:9.70%;"> 26.50%
                    </td>
                </tr>
                <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:4pt;padding-right:3pt;padding-top:1.25pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:20.59%;"> 5th Anniversary Renewal Caps <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> 6 </sup>
                  </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:left;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.79%;"> 11.75%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 20.25%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 12.25%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 24.00%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 11.75%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 23.75%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 25.50%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:4pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:9.70%;"> 29.25%
                    </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:4pt;padding-right:3pt;padding-top:1.25pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:20.59%;"> 6th Anniversary Renewal Caps <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> 7 </sup>
                  </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:left;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.79%;"> 15.00%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 18.00%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 17.50%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 20.50%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 15.50%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 19.75%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 24.00%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:4pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:9.70%;"> 29.25%
                    </td>
                </tr>

            </table>
          </div>
          <div style="text-align:left;">
            <table cellspacing="0" cellpadding="0" id="zc2ed4f98e41843ccb43a77d38b976d45" style="border-collapse:collapse;empty-cells:show;margin-top:9pt;width:100%;">

                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:3.24%;">1
                  </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:96.76%;">The initial Caps for the EURO STOXX 50<sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;">&#174;</sup> are for a partial period of August 24, 2015 through January 4, 2016.
                  </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:3.24%;">2
                  </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:96.76%;">The 1st Anniversary Renewal Caps for the EURO STOXX 50<sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;">&#174;</sup> are for a partial period of August 24, 2016 through January 4, 2017.
                  </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:3.24%;">3
                  </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:96.76%;">The 2nd Anniversary Renewal Caps for the EURO STOXX 50<sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;">&#174;</sup> are for a partial period of August 24, 2017 through January 4, 2018.
                  </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:3.24%;">4
                  </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:96.76%;">The 3rd Anniversary Renewal Caps for the EURO STOXX 50<sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;">&#174;</sup> are for a partial period of August 24, 2018 through January 4, 2019.
                  </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:3.24%;">5
                  </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:96.76%;">The 4th Anniversary Renewal Caps for the EURO STOXX 50<sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;">&#174;</sup> are for a partial period of August 24, 2019 through January 4, 2020.
                  </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:3.24%;">6
                  </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:96.76%;">The 5th Anniversary Renewal Caps for the EURO STOXX 50<sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;">&#174;</sup> are for a partial period of August 24, 2020 through January 4, 2021.
                  </td>
                </tr>

            </table>
          </div>
          <div style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;margin-top:6pt;text-align:center;text-decoration:none;text-transform:none;">Index Effective Dates: 1/5/2016 &#8211; 1/2/2017</div>
          <div style="text-align:left;">
            <table cellspacing="0" cellpadding="0" id="z4dc397265bc1450991589e3a07140544" style="border-collapse:collapse;border-top:0.5pt solid #000000;empty-cells:show;margin-top:0pt;width:99.39%;">

                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:4pt;padding-right:3pt;padding-top:4pt;text-align:right; text-decoration:none;text-transform:none;vertical-align:bottom;white-space:nowrap;width:20.59%;"> Indexes:
                    </td>
                  <td style="line-height:0pt;padding-bottom:2.5pt;padding-right:2.5pt;padding-top:4pt;text-align:right;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td colspan="3" style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:6.5pt;padding-right:2.5pt; padding-top:4pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:17.49%;"> S&amp;P 500 <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#174; </sup> Index
                    </td>
                  <td style="line-height:0pt;padding-bottom:2.5pt;padding-right:2.5pt;padding-top:4pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td colspan="3" style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:6.5pt;padding-right:2.5pt; padding-top:4pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:17.38%;"> Russell 2000 <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#174; </sup> Index
                    </td>
                  <td style="line-height:0pt;padding-bottom:2.5pt;padding-right:2.5pt;padding-top:4pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td colspan="3" style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:6.5pt;padding-right:2.5pt; padding-top:4pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:17.38%;"> Nasdaq-100 <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#174; </sup> Index
                    </td>
                  <td style="line-height:0pt;padding-bottom:2.5pt;padding-right:2.5pt;padding-top:4pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td colspan="3" style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:6.5pt;padding-right:4pt; padding-top:4pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:19.40%;"> EURO STOXX 50 <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#174; </sup>
                  </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:4pt;padding-right:3pt;padding-top:2pt; text-align:left;text-decoration:none;text-transform:none;vertical-align:bottom;white-space:nowrap;width:20.59%;"> Caps
                    </td>
                  <td style="line-height:0pt;padding-bottom:2.5pt;padding-right:2.5pt;padding-top:2pt;text-align:left;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:6.5pt;padding-right:2.5pt; padding-top:2pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;white-space:nowrap;width:7.79%;"> Lowest
                    </td>
                  <td style="line-height:0pt;padding-bottom:2.5pt;padding-right:2.5pt;padding-top:2pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:6.5pt;padding-right:2.5pt; padding-top:2pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;white-space:nowrap;width:7.69%;"> Highest
                    </td>
                  <td style="line-height:0pt;padding-bottom:2.5pt;padding-right:2.5pt;padding-top:2pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:6.5pt;padding-right:2.5pt; padding-top:2pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;white-space:nowrap;width:7.69%;"> Lowest
                    </td>
                  <td style="line-height:0pt;padding-bottom:2.5pt;padding-right:2.5pt;padding-top:2pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:6.5pt;padding-right:2.5pt; padding-top:2pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;white-space:nowrap;width:7.69%;"> Highest
                    </td>
                  <td style="line-height:0pt;padding-bottom:2.5pt;padding-right:2.5pt;padding-top:2pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:6.5pt;padding-right:2.5pt; padding-top:2pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;white-space:nowrap;width:7.69%;"> Lowest
                    </td>
                  <td style="line-height:0pt;padding-bottom:2.5pt;padding-right:2.5pt;padding-top:2pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:6.5pt;padding-right:2.5pt; padding-top:2pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;white-space:nowrap;width:7.69%;"> Highest
                    </td>
                  <td style="line-height:0pt;padding-bottom:2.5pt;padding-right:2.5pt;padding-top:2pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:6.5pt;padding-right:2.5pt; padding-top:2pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;white-space:nowrap;width:7.69%;"> Lowest
                    </td>
                  <td style="line-height:0pt;padding-bottom:2.5pt;padding-right:2.5pt;padding-top:2pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:6.5pt;padding-right:4pt; padding-top:2pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;white-space:nowrap;width:9.70%;"> Highest
                    </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:4pt;padding-right:3pt;padding-top:2pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:20.59%;"> Initial Caps
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:2pt;text-align:left;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:2pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.79%;"> 10.75%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:2pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:2pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 15.50%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:2pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:2pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 13.75%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:2pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:2pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 18.50%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:2pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:2pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 10.75%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:2pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:2pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 15.00%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:2pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:2pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 13.75%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:2pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:4pt;padding-top:2pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:9.70%;"> 18.50%
                    </td>
                </tr>
                <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:4pt;padding-right:3pt;padding-top:1.25pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:20.59%;"> 1st Anniversary Renewal Caps
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:left;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.79%;"> 9.25%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 12.00%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 12.00%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 16.50%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 9.50%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 12.00%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 13.50%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:4pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:9.70%;"> 25.00%
                    </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:4pt;padding-right:3pt;padding-top:1.25pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:20.59%;"> 2nd Anniversary Renewal Caps
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:left;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.79%;"> 9.25%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 13.75%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 11.00%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 14.50%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 10.75%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 15.50%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 24.00%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:4pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:9.70%;"> 28.00%
                    </td>
                </tr>
                <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:4pt;padding-right:3pt;padding-top:1.25pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:20.59%;"> 3rd Anniversary Renewal Caps
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:left;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.79%;"> 10.50%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 13.25%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 12.00%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 14.75%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 11.50%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 15.00%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 25.00%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:4pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:9.70%;"> 28.00%
                    </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:4pt;padding-right:3pt;padding-top:1.25pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:20.59%;"> 4th Anniversary Renewal Caps
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:left;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.79%;"> 11.75%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 20.25%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 12.25%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 24.00%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 11.75%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 23.75%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 23.50%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:4pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:9.70%;"> 29.25%
                    </td>
                </tr>
                <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:4pt;padding-right:3pt;padding-top:1.25pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:20.59%;"> 5th Anniversary Renewal Caps
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:left;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.79%;"> 15.00%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 18.00%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 17.50%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 20.50%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 15.50%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 19.75%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 22.25%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:4pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:9.70%;"> 29.25%
                    </td>
                </tr>

            </table>
          </div>
          <div style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;margin-top:9pt;text-align:center;text-decoration:none;text-transform:none;">Index Effective Dates: 1/3/2017 &#8211; 1/2/2018</div>
          <div style="text-align:left;">
            <table cellspacing="0" cellpadding="0" id="za5b5794945704a0cad451dabbadec916" style="border-collapse:collapse;border-top:0.5pt solid #000000;empty-cells:show;margin-top:0pt;width:99.39%;">

                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:4pt;padding-right:3pt;padding-top:4pt;text-align:right; text-decoration:none;text-transform:none;vertical-align:bottom;white-space:nowrap;width:20.59%;"> Indexes:
                    </td>
                  <td style="line-height:0pt;padding-bottom:2.5pt;padding-right:2.5pt;padding-top:4pt;text-align:right;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td colspan="3" style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:6.5pt;padding-right:2.5pt; padding-top:4pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:17.49%;"> S&amp;P 500 <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#174; </sup> Index
                    </td>
                  <td style="line-height:0pt;padding-bottom:2.5pt;padding-right:2.5pt;padding-top:4pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td colspan="3" style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:6.5pt;padding-right:2.5pt; padding-top:4pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:17.38%;"> Russell 2000 <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#174; </sup> Index
                    </td>
                  <td style="line-height:0pt;padding-bottom:2.5pt;padding-right:2.5pt;padding-top:4pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td colspan="3" style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:6.5pt;padding-right:2.5pt; padding-top:4pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:17.38%;"> Nasdaq-100 <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#174; </sup> Index
                    </td>
                  <td style="line-height:0pt;padding-bottom:2.5pt;padding-right:2.5pt;padding-top:4pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td colspan="3" style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:6.5pt;padding-right:4pt; padding-top:4pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:19.40%;"> EURO STOXX 50 <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#174; </sup>
                  </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:4pt;padding-right:3pt;padding-top:2pt; text-align:left;text-decoration:none;text-transform:none;vertical-align:bottom;white-space:nowrap;width:20.59%;"> Caps
                    </td>
                  <td style="line-height:0pt;padding-bottom:2.5pt;padding-right:2.5pt;padding-top:2pt;text-align:left;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:6.5pt;padding-right:2.5pt; padding-top:2pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;white-space:nowrap;width:7.79%;"> Lowest
                    </td>
                  <td style="line-height:0pt;padding-bottom:2.5pt;padding-right:2.5pt;padding-top:2pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:6.5pt;padding-right:2.5pt; padding-top:2pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;white-space:nowrap;width:7.69%;"> Highest
                    </td>
                  <td style="line-height:0pt;padding-bottom:2.5pt;padding-right:2.5pt;padding-top:2pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:6.5pt;padding-right:2.5pt; padding-top:2pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;white-space:nowrap;width:7.69%;"> Lowest
                    </td>
                  <td style="line-height:0pt;padding-bottom:2.5pt;padding-right:2.5pt;padding-top:2pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:6.5pt;padding-right:2.5pt; padding-top:2pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;white-space:nowrap;width:7.69%;"> Highest
                    </td>
                  <td style="line-height:0pt;padding-bottom:2.5pt;padding-right:2.5pt;padding-top:2pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:6.5pt;padding-right:2.5pt; padding-top:2pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;white-space:nowrap;width:7.69%;"> Lowest
                    </td>
                  <td style="line-height:0pt;padding-bottom:2.5pt;padding-right:2.5pt;padding-top:2pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:6.5pt;padding-right:2.5pt; padding-top:2pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;white-space:nowrap;width:7.69%;"> Highest
                    </td>
                  <td style="line-height:0pt;padding-bottom:2.5pt;padding-right:2.5pt;padding-top:2pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:6.5pt;padding-right:2.5pt; padding-top:2pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;white-space:nowrap;width:7.69%;"> Lowest
                    </td>
                  <td style="line-height:0pt;padding-bottom:2.5pt;padding-right:2.5pt;padding-top:2pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:6.5pt;padding-right:4pt; padding-top:2pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;white-space:nowrap;width:9.70%;"> Highest
                    </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:4pt;padding-right:3pt;padding-top:2pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:20.59%;"> Initial Caps
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:2pt;text-align:left;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:2pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.79%;"> 9.75%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:2pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:2pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 14.50%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:2pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:2pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 13.50%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:2pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:2pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 18.50%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:2pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:2pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 10.00%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:2pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:2pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 14.00%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:2pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:2pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 13.50%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:2pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:4pt;padding-top:2pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:9.70%;"> 25.50%
                    </td>
                </tr>
                <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:4pt;padding-right:3pt;padding-top:1.25pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:20.59%;"> 1st Anniversary Renewal Caps
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:left;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.79%;"> 9.25%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 17.00%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 12.00%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 17.25%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 10.75%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 17.75%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 24.00%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:4pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:9.70%;"> 31.00%
                    </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:4pt;padding-right:3pt;padding-top:1.25pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:20.59%;"> 2nd Anniversary Renewal Caps
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:left;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.79%;"> 10.75%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 17.75%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 12.00%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 18.00%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 11.50%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 17.75%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 25.50%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:4pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:9.70%;"> 31.00%
                    </td>
                </tr>
                <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:4pt;padding-right:3pt;padding-top:1.25pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:20.59%;"> 3rd Anniversary Renewal Caps
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:left;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.79%;"> 11.75%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 25.50%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 12.25%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 27.50%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 11.75%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 26.50%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 23.50%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:4pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:9.70%;"> 31.50%
                    </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:4pt;padding-right:3pt;padding-top:1.25pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:20.59%;"> 4th Anniversary Renewal Caps
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:left;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.79%;"> 16.50%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 20.75%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 18.25%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 22.75%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 16.50%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 20.75%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 25.50%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:4pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:9.70%;"> 29.50%
                    </td>
                </tr>

            </table>
          </div>
        </div>
        <div type="Block" style="margin-top:57pt;width:100%;">
          <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:0.5pt solid #000000;height:0.5pt;width:100%;">
          <div style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:11pt;margin-bottom:2pt;margin-top:2pt;text-align:center;text-decoration:none;text-transform:none;"> Allianz Index Advantage <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#174; </sup> New York Variable Annuity Prospectus &#8211; April 29, 2022 </div>
          <div style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:11pt;text-align:center;text-decoration:none;text-transform:none;"> Appendix C </div>
        </div>
        <div type="Block" style="margin-top:3pt;width:100%;">
          <div style="color:#000000;font-family:Arial;font-size:9pt;font-style:Normal;font-weight:bold;line-height:12pt;text-align:center;text-decoration:none;text-transform:none;">&#160;100&#160;</div>
        </div>
      </div>
      <div style="clear:both;font-size:12pt;height:0pt;">
      </div>
      <hr style="margin-bottom:0pt;">
      <p style="margin:0pt;page-break-before:always;">&#160;
      </p>
      <div style="width:100%;">
        <a name="xx_cd237469-cff0-42b2-83fc-7fdf279e2827_4">
        </a>
        <div style="font-family:Arial;font-size:7pt;line-height:10pt;font-weight:Normal;text-transform:none;text-align:left;vertical-align:bottom;padding-bottom:10pt;">
          <a href="#JOB_Index_3271f810-de27-47d4-9b4d-756928a3a1d0_va-toc">
            Table of Contents
          </a>
        </div>
        <div type="Block" style="width:100%;">
          <div style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;margin-top:9pt;text-align:center;text-decoration:none;text-transform:none;">Index Effective Dates: 1/3/2018 &#8211; 1/1/2019</div>
          <div style="text-align:left;">
            <table cellspacing="0" cellpadding="0" id="ze1a7d4b3390a4de3bd95129704bb90c7" style="border-collapse:collapse;border-top:0.5pt solid #000000;empty-cells:show;margin-top:0pt;width:99.39%;">

                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:4pt;padding-right:3pt;padding-top:4pt;text-align:right; text-decoration:none;text-transform:none;vertical-align:bottom;white-space:nowrap;width:20.59%;"> Indexes:
                    </td>
                  <td style="line-height:0pt;padding-bottom:2.5pt;padding-right:2.5pt;padding-top:4pt;text-align:right;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td colspan="3" style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:6.5pt;padding-right:2.5pt; padding-top:4pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:17.49%;"> S&amp;P 500 <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#174; </sup> Index
                    </td>
                  <td style="line-height:0pt;padding-bottom:2.5pt;padding-right:2.5pt;padding-top:4pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td colspan="3" style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:6.5pt;padding-right:2.5pt; padding-top:4pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:17.38%;"> Russell 2000 <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#174; </sup> Index
                    </td>
                  <td style="line-height:0pt;padding-bottom:2.5pt;padding-right:2.5pt;padding-top:4pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td colspan="3" style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:6.5pt;padding-right:2.5pt; padding-top:4pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:17.38%;"> Nasdaq-100 <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#174; </sup> Index
                    </td>
                  <td style="line-height:0pt;padding-bottom:2.5pt;padding-right:2.5pt;padding-top:4pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td colspan="3" style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:6.5pt;padding-right:4pt; padding-top:4pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:19.40%;"> EURO STOXX 50 <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#174; </sup>
                  </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:4pt;padding-right:3pt;padding-top:2pt; text-align:left;text-decoration:none;text-transform:none;vertical-align:bottom;white-space:nowrap;width:20.59%;"> Caps
                    </td>
                  <td style="line-height:0pt;padding-bottom:2.5pt;padding-right:2.5pt;padding-top:2pt;text-align:left;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:6.5pt;padding-right:2.5pt; padding-top:2pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;white-space:nowrap;width:7.79%;"> Lowest
                    </td>
                  <td style="line-height:0pt;padding-bottom:2.5pt;padding-right:2.5pt;padding-top:2pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:6.5pt;padding-right:2.5pt; padding-top:2pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;white-space:nowrap;width:7.69%;"> Highest
                    </td>
                  <td style="line-height:0pt;padding-bottom:2.5pt;padding-right:2.5pt;padding-top:2pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:6.5pt;padding-right:2.5pt; padding-top:2pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;white-space:nowrap;width:7.69%;"> Lowest
                    </td>
                  <td style="line-height:0pt;padding-bottom:2.5pt;padding-right:2.5pt;padding-top:2pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:6.5pt;padding-right:2.5pt; padding-top:2pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;white-space:nowrap;width:7.69%;"> Highest
                    </td>
                  <td style="line-height:0pt;padding-bottom:2.5pt;padding-right:2.5pt;padding-top:2pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:6.5pt;padding-right:2.5pt; padding-top:2pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;white-space:nowrap;width:7.69%;"> Lowest
                    </td>
                  <td style="line-height:0pt;padding-bottom:2.5pt;padding-right:2.5pt;padding-top:2pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:6.5pt;padding-right:2.5pt; padding-top:2pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;white-space:nowrap;width:7.69%;"> Highest
                    </td>
                  <td style="line-height:0pt;padding-bottom:2.5pt;padding-right:2.5pt;padding-top:2pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:6.5pt;padding-right:2.5pt; padding-top:2pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;white-space:nowrap;width:7.69%;"> Lowest
                    </td>
                  <td style="line-height:0pt;padding-bottom:2.5pt;padding-right:2.5pt;padding-top:2pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:6.5pt;padding-right:4pt; padding-top:2pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;white-space:nowrap;width:9.70%;"> Highest
                    </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:4pt;padding-right:3pt;padding-top:2pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:20.59%;"> Initial Caps
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:2pt;text-align:left;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:2pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.79%;"> 11.50%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:2pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:2pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 16.25%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:2pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:2pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 14.25%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:2pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:2pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 16.75%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:2pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:2pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 12.00%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:2pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:2pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 17.00%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:2pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:2pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 24.00%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:2pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:4pt;padding-top:2pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:9.70%;"> 28.00%
                    </td>
                </tr>
                <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:4pt;padding-right:3pt;padding-top:1.25pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:20.59%;"> 1st Anniversary Renewal Caps
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:left;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.79%;"> 12.50%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 16.00%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 13.50%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 17.75%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 12.25%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 16.50%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 26.25%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:4pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:9.70%;"> 28.00%
                    </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:4pt;padding-right:3pt;padding-top:1.25pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:20.59%;"> 2nd Anniversary Renewal Caps
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:left;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.79%;"> 12.75%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 22.50%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 13.25%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 25.75%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 12.50%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 26.25%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 24.00%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:4pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:9.70%;"> 29.50%
                    </td>
                </tr>
                <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:4pt;padding-right:3pt;padding-top:1.25pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:20.59%;"> 3rd Anniversary Renewal Caps
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:left;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.79%;"> 16.50%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 21.50%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 17.75%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 23.75%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 15.50%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 22.25%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 25.00%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:4pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:9.70%;"> 29.00%
                    </td>
                </tr>

            </table>
          </div>
          <div style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;margin-top:9pt;text-align:center;text-decoration:none;text-transform:none;">Index Effective Dates: 1/2/2019 &#8211; 1/6/2020</div>
          <div style="text-align:left;">
            <table cellspacing="0" cellpadding="0" id="zdd9ed6b3df6b46218719855f63552d73" style="border-collapse:collapse;border-top:0.5pt solid #000000;empty-cells:show;margin-top:0pt;width:99.39%;">

                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:4pt;padding-right:3pt;padding-top:4pt;text-align:right; text-decoration:none;text-transform:none;vertical-align:bottom;white-space:nowrap;width:20.59%;"> Indexes:
                    </td>
                  <td style="line-height:0pt;padding-bottom:2.5pt;padding-right:2.5pt;padding-top:4pt;text-align:right;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td colspan="3" style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:6.5pt;padding-right:2.5pt; padding-top:4pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:17.49%;"> S&amp;P 500 <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#174; </sup> Index
                    </td>
                  <td style="line-height:0pt;padding-bottom:2.5pt;padding-right:2.5pt;padding-top:4pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td colspan="3" style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:6.5pt;padding-right:2.5pt; padding-top:4pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:17.38%;"> Russell 2000 <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#174; </sup> Index
                    </td>
                  <td style="line-height:0pt;padding-bottom:2.5pt;padding-right:2.5pt;padding-top:4pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td colspan="3" style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:6.5pt;padding-right:2.5pt; padding-top:4pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:17.38%;"> Nasdaq-100 <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#174; </sup> Index
                    </td>
                  <td style="line-height:0pt;padding-bottom:2.5pt;padding-right:2.5pt;padding-top:4pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td colspan="3" style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:6.5pt;padding-right:4pt; padding-top:4pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:19.40%;"> EURO STOXX 50 <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#174; </sup>
                  </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:4pt;padding-right:3pt;padding-top:2pt; text-align:left;text-decoration:none;text-transform:none;vertical-align:bottom;white-space:nowrap;width:20.59%;"> Caps
                    </td>
                  <td style="line-height:0pt;padding-bottom:2.5pt;padding-right:2.5pt;padding-top:2pt;text-align:left;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:6.5pt;padding-right:2.5pt; padding-top:2pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;white-space:nowrap;width:7.79%;"> Lowest
                    </td>
                  <td style="line-height:0pt;padding-bottom:2.5pt;padding-right:2.5pt;padding-top:2pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:6.5pt;padding-right:2.5pt; padding-top:2pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;white-space:nowrap;width:7.69%;"> Highest
                    </td>
                  <td style="line-height:0pt;padding-bottom:2.5pt;padding-right:2.5pt;padding-top:2pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:6.5pt;padding-right:2.5pt; padding-top:2pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;white-space:nowrap;width:7.69%;"> Lowest
                    </td>
                  <td style="line-height:0pt;padding-bottom:2.5pt;padding-right:2.5pt;padding-top:2pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:6.5pt;padding-right:2.5pt; padding-top:2pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;white-space:nowrap;width:7.69%;"> Highest
                    </td>
                  <td style="line-height:0pt;padding-bottom:2.5pt;padding-right:2.5pt;padding-top:2pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:6.5pt;padding-right:2.5pt; padding-top:2pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;white-space:nowrap;width:7.69%;"> Lowest
                    </td>
                  <td style="line-height:0pt;padding-bottom:2.5pt;padding-right:2.5pt;padding-top:2pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:6.5pt;padding-right:2.5pt; padding-top:2pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;white-space:nowrap;width:7.69%;"> Highest
                    </td>
                  <td style="line-height:0pt;padding-bottom:2.5pt;padding-right:2.5pt;padding-top:2pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:6.5pt;padding-right:2.5pt; padding-top:2pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;white-space:nowrap;width:7.69%;"> Lowest
                    </td>
                  <td style="line-height:0pt;padding-bottom:2.5pt;padding-right:2.5pt;padding-top:2pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:6.5pt;padding-right:4pt; padding-top:2pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;white-space:nowrap;width:9.70%;"> Highest
                    </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:4pt;padding-right:3pt;padding-top:2pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:20.59%;"> Initial Caps
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:2pt;text-align:left;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:2pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.79%;"> 14.25%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:2pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:2pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 17.25%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:2pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:2pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 15.00%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:2pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:2pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 17.75%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:2pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:2pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 14.25%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:2pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:2pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 18.50%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:2pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:2pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 26.50%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:2pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:4pt;padding-top:2pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:9.70%;"> 29.00%
                    </td>
                </tr>
                <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:4pt;padding-right:3pt;padding-top:1.25pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:20.59%;"> 1st Anniversary Renewal Caps
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:left;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.79%;"> 13.75%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 22.25%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 14.00%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 25.75%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 13.50%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 26.25%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 25.00%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:4pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:9.70%;"> 29.50%
                    </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:4pt;padding-right:3pt;padding-top:1.25pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:20.59%;"> 2nd Anniversary Renewal Caps
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:left;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.79%;"> 16.25%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 20.75%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 17.25%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 23.50%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 15.25%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 21.50%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 25.50%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:4pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:9.70%;"> 28.50%
                    </td>
                </tr>

            </table>
          </div>
          <div style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;margin-top:9pt;text-align:center;text-decoration:none;text-transform:none;">Index Effective Dates: 1/7/2020 &#8211; 1/4/2021</div>
          <div style="text-align:left;">
            <table cellspacing="0" cellpadding="0" id="z4e509b22130044d5b4ddb10d423bce74" style="border-collapse:collapse;border-top:0.5pt solid #000000;empty-cells:show;margin-top:0pt;width:99.39%;">

                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:4pt;padding-right:3pt;padding-top:4pt;text-align:right; text-decoration:none;text-transform:none;vertical-align:bottom;white-space:nowrap;width:20.59%;"> Indexes:
                    </td>
                  <td style="line-height:0pt;padding-bottom:2.5pt;padding-right:2.5pt;padding-top:4pt;text-align:right;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td colspan="3" style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:6.5pt;padding-right:2.5pt; padding-top:4pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:17.49%;"> S&amp;P 500 <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#174; </sup> Index
                    </td>
                  <td style="line-height:0pt;padding-bottom:2.5pt;padding-right:2.5pt;padding-top:4pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td colspan="3" style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:6.5pt;padding-right:2.5pt; padding-top:4pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:17.38%;"> Russell 2000 <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#174; </sup> Index
                    </td>
                  <td style="line-height:0pt;padding-bottom:2.5pt;padding-right:2.5pt;padding-top:4pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td colspan="3" style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:6.5pt;padding-right:2.5pt; padding-top:4pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:17.38%;"> Nasdaq-100 <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#174; </sup> Index
                    </td>
                  <td style="line-height:0pt;padding-bottom:2.5pt;padding-right:2.5pt;padding-top:4pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td colspan="3" style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:6.5pt;padding-right:4pt; padding-top:4pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:19.40%;"> EURO STOXX 50 <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#174; </sup>
                  </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:4pt;padding-right:3pt;padding-top:2pt; text-align:left;text-decoration:none;text-transform:none;vertical-align:bottom;white-space:nowrap;width:20.59%;"> Caps
                    </td>
                  <td style="line-height:0pt;padding-bottom:2.5pt;padding-right:2.5pt;padding-top:2pt;text-align:left;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:6.5pt;padding-right:2.5pt; padding-top:2pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;white-space:nowrap;width:7.79%;"> Lowest
                    </td>
                  <td style="line-height:0pt;padding-bottom:2.5pt;padding-right:2.5pt;padding-top:2pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:6.5pt;padding-right:2.5pt; padding-top:2pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;white-space:nowrap;width:7.69%;"> Highest
                    </td>
                  <td style="line-height:0pt;padding-bottom:2.5pt;padding-right:2.5pt;padding-top:2pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:6.5pt;padding-right:2.5pt; padding-top:2pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;white-space:nowrap;width:7.69%;"> Lowest
                    </td>
                  <td style="line-height:0pt;padding-bottom:2.5pt;padding-right:2.5pt;padding-top:2pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:6.5pt;padding-right:2.5pt; padding-top:2pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;white-space:nowrap;width:7.69%;"> Highest
                    </td>
                  <td style="line-height:0pt;padding-bottom:2.5pt;padding-right:2.5pt;padding-top:2pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:6.5pt;padding-right:2.5pt; padding-top:2pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;white-space:nowrap;width:7.69%;"> Lowest
                    </td>
                  <td style="line-height:0pt;padding-bottom:2.5pt;padding-right:2.5pt;padding-top:2pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:6.5pt;padding-right:2.5pt; padding-top:2pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;white-space:nowrap;width:7.69%;"> Highest
                    </td>
                  <td style="line-height:0pt;padding-bottom:2.5pt;padding-right:2.5pt;padding-top:2pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:6.5pt;padding-right:2.5pt; padding-top:2pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;white-space:nowrap;width:7.69%;"> Lowest
                    </td>
                  <td style="line-height:0pt;padding-bottom:2.5pt;padding-right:2.5pt;padding-top:2pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:6.5pt;padding-right:4pt; padding-top:2pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;white-space:nowrap;width:9.70%;"> Highest
                    </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:4pt;padding-right:3pt;padding-top:2pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:20.59%;"> Initial Caps
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:2pt;text-align:left;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:2pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.79%;"> 13.75%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:2pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:2pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 22.25%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:2pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:2pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 14.00%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:2pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:2pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 25.75%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:2pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:2pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 13.50%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:2pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:2pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 26.25%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:2pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:2pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 25.00%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:2pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:4pt;padding-top:2pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:9.70%;"> 29.50%
                    </td>
                </tr>
                <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:4pt;padding-right:3pt;padding-top:1.25pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:20.59%;"> 1st Anniversary Renewal Caps
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:left;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.79%;"> 16.25%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 20.75%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 17.25%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 23.50%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 15.25%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 21.50%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 25.50%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:4pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:9.70%;"> 28.50%
                    </td>
                </tr>

            </table>
          </div>
          <div style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;margin-bottom:2pt;margin-top:2pt;text-align:center;text-decoration:none;text-transform:none;"> Index Effective Dates: 1/5/2021
              &#8211; 1/3/2022 </div>
          <div style="text-align:left;">
            <table cellspacing="0" cellpadding="0" id="zb53fb319484844a2b48c5f23f98b5ed9" style="border-collapse:collapse;border-top:0.5pt solid #000000;empty-cells:show;margin-top:0pt;width:99.39%;">

                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:4pt;padding-right:3pt;padding-top:4pt;text-align:right; text-decoration:none;text-transform:none;vertical-align:bottom;white-space:nowrap;width:20.59%;"> Indexes:
                    </td>
                  <td style="line-height:0pt;padding-bottom:2.5pt;padding-right:2.5pt;padding-top:4pt;text-align:right;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td colspan="3" style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:6.5pt;padding-right:2.5pt; padding-top:4pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:17.49%;"> S&amp;P 500 <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#174; </sup> Index
                    </td>
                  <td style="line-height:0pt;padding-bottom:2.5pt;padding-right:2.5pt;padding-top:4pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td colspan="3" style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:6.5pt;padding-right:2.5pt; padding-top:4pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:17.38%;"> Russell 2000 <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#174; </sup> Index
                    </td>
                  <td style="line-height:0pt;padding-bottom:2.5pt;padding-right:2.5pt;padding-top:4pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td colspan="3" style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:6.5pt;padding-right:2.5pt; padding-top:4pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:17.38%;"> Nasdaq-100 <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#174; </sup> Index
                    </td>
                  <td style="line-height:0pt;padding-bottom:2.5pt;padding-right:2.5pt;padding-top:4pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td colspan="3" style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:6.5pt;padding-right:4pt; padding-top:4pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:19.40%;"> EURO STOXX 50 <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#174; </sup>
                  </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:4pt;padding-right:3pt;padding-top:2pt; text-align:left;text-decoration:none;text-transform:none;vertical-align:bottom;white-space:nowrap;width:20.59%;"> Caps
                    </td>
                  <td style="line-height:0pt;padding-bottom:2.5pt;padding-right:2.5pt;padding-top:2pt;text-align:left;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:6.5pt;padding-right:2.5pt; padding-top:2pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;white-space:nowrap;width:7.79%;"> Lowest
                    </td>
                  <td style="line-height:0pt;padding-bottom:2.5pt;padding-right:2.5pt;padding-top:2pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:6.5pt;padding-right:2.5pt; padding-top:2pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;white-space:nowrap;width:7.69%;"> Highest
                    </td>
                  <td style="line-height:0pt;padding-bottom:2.5pt;padding-right:2.5pt;padding-top:2pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:6.5pt;padding-right:2.5pt; padding-top:2pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;white-space:nowrap;width:7.69%;"> Lowest
                    </td>
                  <td style="line-height:0pt;padding-bottom:2.5pt;padding-right:2.5pt;padding-top:2pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:6.5pt;padding-right:2.5pt; padding-top:2pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;white-space:nowrap;width:7.69%;"> Highest
                    </td>
                  <td style="line-height:0pt;padding-bottom:2.5pt;padding-right:2.5pt;padding-top:2pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:6.5pt;padding-right:2.5pt; padding-top:2pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;white-space:nowrap;width:7.69%;"> Lowest
                    </td>
                  <td style="line-height:0pt;padding-bottom:2.5pt;padding-right:2.5pt;padding-top:2pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:6.5pt;padding-right:2.5pt; padding-top:2pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;white-space:nowrap;width:7.69%;"> Highest
                    </td>
                  <td style="line-height:0pt;padding-bottom:2.5pt;padding-right:2.5pt;padding-top:2pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:6.5pt;padding-right:2.5pt; padding-top:2pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;white-space:nowrap;width:7.69%;"> Lowest
                    </td>
                  <td style="line-height:0pt;padding-bottom:2.5pt;padding-right:2.5pt;padding-top:2pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:6.5pt;padding-right:4pt; padding-top:2pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;white-space:nowrap;width:9.70%;"> Highest
                    </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:4pt;padding-right:3pt;padding-top:2pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:20.59%;"> Initial Caps
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:2pt;text-align:left;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:2pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.79%;"> 16.25%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:2pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:2pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 20.75%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:2pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:2pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 17.25%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:2pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:2pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 23.50%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:2pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:2pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 15.25%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:2pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:2pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 21.50%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:2pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:2.5pt;padding-top:2pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:7.69%;"> 25.50%
                    </td>
                  <td style="line-height:0pt;padding-right:2.5pt;padding-top:2pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2.5pt;padding-right:4pt;padding-top:2pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:9.70%;"> 28.50%
                    </td>
                </tr>

            </table>
          </div>
        </div>
        <div type="Block" style="margin-top:384pt;width:100%;">
          <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:0.5pt solid #000000;height:0.5pt;width:100%;">
          <div style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:11pt;margin-bottom:2pt;margin-top:2pt;text-align:center;text-decoration:none;text-transform:none;"> Allianz Index Advantage <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#174; </sup> New York Variable Annuity Prospectus &#8211; April 29, 2022 </div>
          <div style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:11pt;text-align:center;text-decoration:none;text-transform:none;"> Appendix C </div>
        </div>
        <div type="Block" style="margin-top:3pt;width:100%;">
          <div style="color:#000000;font-family:Arial;font-size:9pt;font-style:Normal;font-weight:bold;line-height:12pt;text-align:center;text-decoration:none;text-transform:none;">&#160;101&#160;</div>
        </div>
      </div>
      <div style="clear:both;font-size:12pt;height:0pt;">
      </div>
      <hr style="margin-bottom:0pt;">
      <p style="margin:0pt;page-break-before:always;">&#160;
      </p>
      <div style="width:100%;">
        <a name="xx_dee929be-a8e9-4895-8956-65538375ab99_1">
        </a>
        <div style="font-family:Arial;font-size:7pt;line-height:10pt;font-weight:Normal;text-transform:none;text-align:left;vertical-align:bottom;padding-bottom:10pt;">
          <a href="#JOB_Index_3271f810-de27-47d4-9b4d-756928a3a1d0_va-toc">
            Table of Contents
          </a>
        </div>
        <div type="Block" style="width:100%;">
          <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:2pt solid #000000;height:2pt;width:100%;">
          <div style="color:#000000;font-family:Arial;font-size:11pt;font-style:Normal;font-weight:Normal;line-height:13pt;margin-top:5pt;text-align:left;text-decoration:none;text-transform:uppercase;">Appendix D &#8211; Historical Index Option Performance
            Information</div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:1pt;text-align:left;text-decoration:none;text-transform:none;">The following historical information, based on
            historical Buffers and Caps, show how actual movements in the external Index Returns impacted actual Performance Credits. They show the lowest and highest actual annual Index Returns for each time period, and the corresponding Performance
            Credits received for these Index Returns. No single Crediting Method or Index Option consistently delivers the most return under all market conditions. Past performance does not guaranteed future results. This historical information shows the
            returns for Contracts with Index Effective Date periods occurring within the first year that each Crediting Method was available using the S&amp;
            P 500<sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;">&#174;</sup> Index. You can obtain more historical information for other time periods and other Index Options by contacting your Financial Professional.</div>
          <div style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;">INDEX PROTECTION NY STRATEGY WITH THE S&amp;P 500<sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;">&#174;</sup> INDEX</div>
          <div style="text-align:center;">
            <table cellspacing="0" cellpadding="0" id="zee6588a85db244c38b4e6303482065a7" style="border-bottom:0.5pt solid #000000;border-collapse:collapse;border-top:0.5pt solid #000000;empty-cells:show;margin-left:auto;margin-right:auto;margin-top:6pt;width:99.60%;">

                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-bottom:4pt;padding-left:4pt;padding-right:4pt;padding-top:4pt;text-align:left; text-decoration:none;text-transform:none;vertical-align:top;width:100%;">The Index Protection NY Strategy was not available before August 24, 2015. The Buffer was 30% for all time periods. It is not available to Contracts issued before
                    August 24, 2015 or that have a Contract number starting with GAZ.
                  </td>
                </tr>

            </table>
          </div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;text-align:left;text-decoration:none;text-transform:none;">&#160;&#160;&#160;&#160;</div>
          <div style="text-align:left;">
            <table cellspacing="0" cellpadding="0" id="z2f2fb77cebd4497088c40cc3203b936e" style="border-collapse:collapse;border-top:0.5pt solid #000000;empty-cells:show;margin-top:6pt;width:99.60%;">

                <tr style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:9pt;padding-bottom:2.5pt;padding-left:4pt;padding-right:3pt;padding-top:4pt; text-align:left;text-decoration:none;text-transform:none;vertical-align:center;width:22.99%;"> Index Effective Date
                    </td>
                  <td style="line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:4pt;text-align:left;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:9pt;padding-bottom:2.5pt;padding-left:7pt;padding-right:3pt;padding-top:4pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:8.74%;"> 8/24/2015- <br>

                      8/28/2015
                    </td>
                  <td style="line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:4pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:9pt;padding-bottom:2.5pt;padding-left:7pt;padding-right:3pt;padding-top:4pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:8.74%;"> 9/1/2015- <br>

                      10/5/2015
                    </td>
                  <td style="line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:4pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:9pt;padding-bottom:2.5pt;padding-left:7pt;padding-right:3pt;padding-top:4pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:8.74%;"> 10/6/2015- <br>

                      11/2/2015
                    </td>
                  <td style="line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:4pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:9pt;padding-bottom:2.5pt;padding-left:7pt;padding-right:3pt;padding-top:4pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:8.74%;"> 11/3/2015- <br>

                      11/30/2015
                    </td>
                  <td style="line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:4pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:9pt;padding-bottom:2.5pt;padding-left:7pt;padding-right:3pt;padding-top:4pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:8.74%;"> 12/1/2015- <br>

                      1/4/2016
                    </td>
                  <td style="line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:4pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:9pt;padding-bottom:2.5pt;padding-left:7pt;padding-right:3pt;padding-top:4pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:8.74%;"> 1/5/2016- <br>

                      2/1/2016
                    </td>
                  <td style="line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:4pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:9pt;padding-bottom:2.5pt;padding-left:7pt;padding-right:4pt;padding-top:4pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:10.74%;"> 2/2/2016- <br>

                      2/29/2016
                    </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:4pt;padding-right:3pt;padding-top:1.75pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:22.99%;"> Initial Cap
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:1.75pt;text-align:left;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1.75pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:8.74%;"> 4.25%
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:1.75pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1.75pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:8.74%;"> 4.00%
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:1.75pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1.75pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:8.74%;"> 5.50%
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:1.75pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1.75pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:8.74%;"> 5.75%
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:1.75pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1.75pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:8.74%;"> 5.50%
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:1.75pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1.75pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:8.74%;"> 5.00%
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:1.75pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:3pt;padding-right:4pt;padding-top:1.75pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:10.74%;"> 5.25%
                    </td>
                </tr>
                <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:4pt;padding-right:3pt;padding-top:1pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:22.99%;"> 1st Index Year Index Return
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:1pt;text-align:left;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;width:8.74%;"> 9.63% to <br>

                      16.32%
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;width:8.74%;"> 7.21% to <br>

                      15.39%
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;width:8.74%;"> -0.29% to <br>

                      9.13%
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;width:8.74%;"> -1.00% to <br>

                      6.98%
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;width:8.74%;"> 4.21% to <br>

                      12.82%
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;width:8.74%;"> 12.51% to <br>

                      22.44%
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:3pt;padding-right:4pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;width:10.74%;"> 19.69% to <br>

                      27.29%
                    </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:4pt;padding-right:3pt;padding-top:1pt; text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:22.99%;"> 1st Index Anniversary Credit
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:1pt;text-align:left;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:3pt;padding-right:3pt;padding-top:1pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:8.74%;"> 4.25%
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:3pt;padding-right:3pt;padding-top:1pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:8.74%;"> 4.00%
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:3pt;padding-right:3pt;padding-top:1pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:top;width:8.74%;"> 0% to <br>

                      5.50%
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:3pt;padding-right:3pt;padding-top:1pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:top;width:8.74%;"> 0% to <br>

                      5.75%
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:3pt;padding-right:3pt;padding-top:1pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:top;width:8.74%;"> 4.21% to <br>

                      5.50%
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:3pt;padding-right:3pt;padding-top:1pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:8.74%;"> 5.00%
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:3pt;padding-right:4pt;padding-top:1pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:10.74%;"> 5.25%
                    </td>
                </tr>
                <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:4pt;padding-right:3pt;padding-top:1.75pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:22.99%;"> 1st Anniversary Renewal Cap
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:1.75pt;text-align:left;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1.75pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:8.74%;"> 5.50%
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:1.75pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1.75pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:8.74%;"> 4.75%
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:1.75pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1.75pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:8.74%;"> 4.75%
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:1.75pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1.75pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:8.74%;"> 4.75%
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:1.75pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1.75pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:8.74%;"> 4.75%
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:1.75pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1.75pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:8.74%;"> 4.50%
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:1.75pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:3pt;padding-right:4pt;padding-top:1.75pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:10.74%;"> 4.50%
                    </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:4pt;padding-right:3pt;padding-top:1pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:22.99%;"> 2nd Index Year Index Return
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:1pt;text-align:left;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;width:8.74%;"> 12.10% to <br>

                      12.69%
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;width:8.74%;"> 12.76% to <br>

                      18.17%
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;width:8.74%;"> 17.61% to <br>

                      22.97%
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;width:8.74%;"> 17.47% to <br>

                      24.26%
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;width:8.74%;"> 17.65% to <br>

                      20.59%
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;width:8.74%;"> 20.67% to <br>

                      25.11%
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:3pt;padding-right:4pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;width:10.74%;"> 12.48% to <br>

                      21.10%
                    </td>
                </tr>
                <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:4pt;padding-right:3pt;padding-top:1pt; text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:22.99%;"> 2nd Index Anniversary Credit
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:1pt;text-align:left;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:3pt;padding-right:3pt;padding-top:1pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:8.74%;"> 5.50%
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:3pt;padding-right:3pt;padding-top:1pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:8.74%;"> 4.75%
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:3pt;padding-right:3pt;padding-top:1pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:8.74%;"> 4.75%
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:3pt;padding-right:3pt;padding-top:1pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:8.74%;"> 4.75%
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:3pt;padding-right:3pt;padding-top:1pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:8.74%;"> 4.75%
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:3pt;padding-right:3pt;padding-top:1pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:8.74%;"> 4.50%
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:3pt;padding-right:4pt;padding-top:1pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:10.74%;"> 4.50%
                    </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:4pt;padding-right:3pt;padding-top:1.75pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:22.99%;"> 2nd Anniversary Renewal Cap
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:1.75pt;text-align:left;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1.75pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:8.74%;"> 4.75%
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:1.75pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1.75pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:8.74%;"> 4.50%
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:1.75pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1.75pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:8.74%;"> 4.75%
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:1.75pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1.75pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:8.74%;"> 4.00%
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:1.75pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1.75pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:8.74%;"> 5.00%
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:1.75pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1.75pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:8.74%;"> 4.75%
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:1.75pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:3pt;padding-right:4pt;padding-top:1.75pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:10.74%;"> 4.50%
                    </td>
                </tr>
                <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:4pt;padding-right:3pt;padding-top:1pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:22.99%;"> 3rd Index Year Index Return
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:1pt;text-align:left;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;width:8.74%;"> 17.86% to <br>

                      18.57%
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;width:8.74%;"> 13.07% to <br>

                      17.16%
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;width:8.74%;"> 2.33% to <br>

                      13.35%
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;width:8.74%;"> 1.37% to <br>

                      7.60%
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;width:8.74%;"> -12.38% to <br>

                      5.72%
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;width:8.74%;"> -7.97% to <br>

                      -4.09%
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:3pt;padding-right:4pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;width:10.74%;"> -1.35% to <br>

                      4.92%
                    </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:4pt;padding-right:3pt;padding-top:1pt; text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:22.99%;"> 3rd Index Anniversary Credit
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:1pt;text-align:left;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:3pt;padding-right:3pt;padding-top:1pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:8.74%;"> 4.75%
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:3pt;padding-right:3pt;padding-top:1pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:8.74%;"> 4.50%
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:3pt;padding-right:3pt;padding-top:1pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:top;width:8.74%;"> 2.33% to <br>

                      4.75%
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:3pt;padding-right:3pt;padding-top:1pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:top;width:8.74%;"> 1.37% to <br>

                      4.00%
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:3pt;padding-right:3pt;padding-top:1pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:top;width:8.74%;"> 0% to <br>

                      5.00%
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:3pt;padding-right:3pt;padding-top:1pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:8.74%;"> 0%
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:3pt;padding-right:4pt;padding-top:1pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:top;width:10.74%;"> 0% to <br>

                      4.50%
                    </td>
                </tr>
                <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:4pt;padding-right:3pt;padding-top:1.75pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:22.99%;"> 3rd Anniversary Renewal Cap
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:1.75pt;text-align:left;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1.75pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:8.74%;"> 5.25%
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:1.75pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1.75pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:8.74%;"> 5.25%
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:1.75pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1.75pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:8.74%;"> 5.25%
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:1.75pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1.75pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:8.74%;"> 5.50%
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:1.75pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1.75pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:8.74%;"> 5.75%
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:1.75pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1.75pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:8.74%;"> 5.75%
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:1.75pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:3pt;padding-right:4pt;padding-top:1.75pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:10.74%;"> 5.50%
                    </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:4pt;padding-right:3pt;padding-top:1pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:22.99%;"> 4th Index Year Index Return
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:1pt;text-align:left;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;width:8.74%;"> -0.95% to <br>

                      0.13%
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;width:8.74%;"> -1.23% to <br>

                      4.05%
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;width:8.74%;"> 0.30% to <br>

                      15.08%
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;width:8.74%;"> 11.00% to <br>

                      19.03%
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;width:8.74%;"> 10.85% to <br>

                      37.13%
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;width:8.74%;"> 20.04% to <br>

                      27.32%
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:3pt;padding-right:4pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;width:10.74%;"> 11.54% to <br>

                      23.91%
                    </td>
                </tr>
                <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:4pt;padding-right:3pt;padding-top:1pt; text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:22.99%;"> 4th Index Anniversary Credit
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:1pt;text-align:left;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:3pt;padding-right:3pt;padding-top:1pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:top;width:8.74%;"> 0% to <br>

                      0.13%
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:3pt;padding-right:3pt;padding-top:1pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:top;width:8.74%;"> 0% to <br>

                      4.05%
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:3pt;padding-right:3pt;padding-top:1pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:top;width:8.74%;"> 0.30% to <br>

                      5.25%
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:3pt;padding-right:3pt;padding-top:1pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:8.74%;"> 5.50%
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:3pt;padding-right:3pt;padding-top:1pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:8.74%;"> 5.75%
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:3pt;padding-right:3pt;padding-top:1pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:8.74%;"> 5.75%
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:3pt;padding-right:4pt;padding-top:1pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:10.74%;"> 5.50%
                    </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:4pt;padding-right:3pt;padding-top:1.75pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:22.99%;"> 4th Anniversary Renewal Cap
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:1.75pt;text-align:left;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1.75pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:8.74%;"> 5.25%
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:1.75pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1.75pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:8.74%;"> 5.75%
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:1.75pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1.75pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:8.74%;"> 6.00%
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:1.75pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1.75pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:8.74%;"> 6.00%
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:1.75pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1.75pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:8.74%;"> 5.75%
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:1.75pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1.75pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:8.74%;"> 5.75%
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:1.75pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:3pt;padding-right:4pt;padding-top:1.75pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:10.74%;"> 5.50%
                    </td>
                </tr>
                <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:4pt;padding-right:3pt;padding-top:1pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:22.99%;"> 5th Index Year Index Return
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:1pt;text-align:left;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;width:8.74%;"> 19.21% to <br>

                      21.47%
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;width:8.74%;"> 8.19% to <br>

                      22.36%
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;width:8.74%;"> 7.54% to <br>

                      19.15%
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;width:8.74%;"> 9.45% to <br>

                      16.17%
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;width:8.74%;"> 14.00% to <br>

                      18.84%
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;width:8.74%;"> 13.47% to <br>

                      18.86%
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:3pt;padding-right:4pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;width:10.74%;"> 15.37% to <br>

                      22.41%
                    </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:4pt;padding-right:3pt;padding-top:1pt; text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:22.99%;"> 5th Index Anniversary Credit
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:1pt;text-align:left;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:3pt;padding-right:3pt;padding-top:1pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:8.74%;"> 5.25%
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:3pt;padding-right:3pt;padding-top:1pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:8.74%;"> 5.75%
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:3pt;padding-right:3pt;padding-top:1pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:8.74%;"> 6.00%
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:3pt;padding-right:3pt;padding-top:1pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:8.74%;"> 6.00%
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:3pt;padding-right:3pt;padding-top:1pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:8.74%;"> 5.75%
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:3pt;padding-right:3pt;padding-top:1pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:8.74%;"> 5.75%
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:3pt;padding-right:4pt;padding-top:1pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:10.74%;"> 5.50%
                    </td>
                </tr>
                <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:4pt;padding-right:3pt;padding-top:1.75pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:22.99%;"> 5th Anniversary Renewal Cap
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:1.75pt;text-align:left;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1.75pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:8.74%;"> 9.25%
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:1.75pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1.75pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:8.74%;"> 8.25%
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:1.75pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1.75pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:8.74%;"> 9.00%
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:1.75pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1.75pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:8.74%;"> 8.75%
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:1.75pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1.75pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:8.74%;"> 7.75%
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:1.75pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:1.75pt;text-align:center;vertical-align:top;width:8.74%;"> &#160;
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:1.75pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="line-height:0pt;padding-right:4pt;padding-top:1.75pt;text-align:center;vertical-align:top;width:10.74%;"> &#160;
                    </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:4pt;padding-right:3pt;padding-top:1pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:22.99%;"> 6th Index Year Index Return
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:1pt;text-align:left;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;width:8.74%;"> 28.50% to <br>

                      30.75%
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;width:8.74%;"> 26.70% to <br>

                      37.44%
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;width:8.74%;"> 23.10% to <br>

                      40.52%
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;width:8.74%;"> 26.59% to <br>

                      38.34%
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;width:8.74%;"> 23.15% to <br>

                      29.53%
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:8.74%;"> &#160;
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="line-height:0pt;padding-right:4pt;padding-top:1pt;text-align:center;vertical-align:top;width:10.74%;"> &#160;
                    </td>
                </tr>
                <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:4pt;padding-right:3pt;padding-top:1pt; text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:22.99%;"> 6th Index Anniversary Credit
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:1pt;text-align:left;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:3pt;padding-right:3pt;padding-top:1pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:8.74%;"> 9.25%
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:3pt;padding-right:3pt;padding-top:1pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:8.74%;"> 8.25%
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:3pt;padding-right:3pt;padding-top:1pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:8.74%;"> 9.00%
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:3pt;padding-right:3pt;padding-top:1pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:8.74%;"> 8.75%
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:3pt;padding-right:3pt;padding-top:1pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:8.74%;"> 7.75%
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:8.74%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-bottom:2.5pt;padding-right:4pt;padding-top:1pt;text-align:center;vertical-align:top;width:10.74%;"> &#160;
                    </td>
                </tr>

            </table>
          </div>
          <div style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;text-align:center;text-decoration:none;text-transform:none;">&#160;&#160;&#160;&#160;</div>
        </div>
        <div type="Block" style="margin-top:211pt;width:100%;">
          <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:0.5pt solid #000000;height:0.5pt;width:100%;">
          <div style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:11pt;margin-bottom:2pt;margin-top:2pt;text-align:center;text-decoration:none;text-transform:none;"> Allianz Index Advantage <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#174; </sup> New York Variable Annuity Prospectus &#8211; April 29, 2022 </div>
          <div style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:11pt;text-align:center;text-decoration:none;text-transform:none;">Appendix D</div>
        </div>
        <div type="Block" style="margin-top:3pt;width:100%;">
          <div style="color:#000000;font-family:Arial;font-size:9pt;font-style:Normal;font-weight:bold;line-height:12pt;text-align:center;text-decoration:none;text-transform:none;">&#160;102&#160;</div>
        </div>
      </div>
      <div style="clear:both;font-size:12pt;height:0pt;">
      </div>
      <hr style="margin-bottom:0pt;">
      <p style="margin:0pt;page-break-before:always;">&#160;
      </p>
      <div style="width:100%;">
        <a name="xx_dee929be-a8e9-4895-8956-65538375ab99_2">
        </a>
        <div style="font-family:Arial;font-size:7pt;line-height:10pt;font-weight:Normal;text-transform:none;text-align:left;vertical-align:bottom;padding-bottom:10pt;">
          <a href="#JOB_Index_3271f810-de27-47d4-9b4d-756928a3a1d0_va-toc">
            Table of Contents
          </a>
        </div>
        <div type="Block" style="width:100%;">
          <div style="text-align:left;">
            <table cellspacing="0" cellpadding="0" id="z295d5dd9d24e4a83ae4e072748b6937a" style="border-collapse:collapse;border-top:0.5pt solid #000000;empty-cells:show;margin-top:6pt;width:90.09%;">

                <tr style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:9pt;padding-bottom:2.5pt;padding-left:4pt;padding-right:3pt;padding-top:4pt; text-align:left;text-decoration:none;text-transform:none;vertical-align:center;width:25.64%;"> Index Effective Date
                    </td>
                  <td style="line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:4pt;text-align:left;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:9pt;padding-bottom:2.5pt;padding-left:7pt;padding-right:3pt;padding-top:4pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:9.95%;"> 3/1/2016- <br>

                      4/4/2016
                    </td>
                  <td style="line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:4pt;text-align:center;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:9pt;padding-bottom:2.5pt;padding-left:7pt;padding-right:3pt;padding-top:4pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:9.95%;"> 4/5/2016- <br>

                      5/2/2016
                    </td>
                  <td style="line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:4pt;text-align:center;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:9pt;padding-bottom:2.5pt;padding-left:7pt;padding-right:3pt;padding-top:4pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:9.95%;"> 5/3/2016- <br>

                      6/6/2016
                    </td>
                  <td style="line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:4pt;text-align:center;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:9pt;padding-bottom:2.5pt;padding-left:7pt;padding-right:3pt;padding-top:4pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:9.95%;"> 6/7/2016- <br>

                      7/4/2016
                    </td>
                  <td style="line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:4pt;text-align:center;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:9pt;padding-bottom:2.5pt;padding-left:7pt;padding-right:3pt;padding-top:4pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:9.95%;"> 7/5/2016- <br>

                      8/1/2016
                    </td>
                  <td style="line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:4pt;text-align:center;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:9pt;padding-bottom:2.5pt;padding-left:7pt;padding-right:4pt;padding-top:4pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:11.95%;"> 8/2/2016- <br>

                      9/5/2016
                    </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:4pt;padding-right:3pt;padding-top:1.75pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:25.64%;"> Initial Cap
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:1.75pt;text-align:left;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1.75pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:9.95%;"> 6.00%
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:1.75pt;text-align:center;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1.75pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:9.95%;"> 6.00%
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:1.75pt;text-align:center;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1.75pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:9.95%;"> 5.50%
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:1.75pt;text-align:center;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1.75pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:9.95%;"> 5.00%
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:1.75pt;text-align:center;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1.75pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:9.95%;"> 5.50%
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:1.75pt;text-align:center;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:3pt;padding-right:4pt;padding-top:1.75pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:11.95%;"> 5.50%
                    </td>
                </tr>
                <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:4pt;padding-right:3pt;padding-top:1pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:25.64%;"> 1st Index Year Index Return
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:1pt;text-align:left;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;width:9.95%;"> 13.80% to <br>

                      21.11%
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;width:9.95%;"> 11.30% to <br>

                      15.36%
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;width:9.95%;"> 15.09% to <br>

                      17.38%
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;width:9.95%;"> 14.85% to <br>

                      20.94%
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;width:9.95%;"> 13.49% to <br>

                      16.47%
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:3pt;padding-right:4pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;width:11.95%;"> 10.91% to <br>

                      14.86%
                    </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:4pt;padding-right:3pt;padding-top:1pt; text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:25.64%;"> 1st Index Anniversary Credit
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:1pt;text-align:left;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:3pt;padding-right:3pt;padding-top:1pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:9.95%;"> 6.00%
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:3pt;padding-right:3pt;padding-top:1pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:9.95%;"> 6.00%
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:3pt;padding-right:3pt;padding-top:1pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:9.95%;"> 5.50%
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:3pt;padding-right:3pt;padding-top:1pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:9.95%;"> 5.00%
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:3pt;padding-right:3pt;padding-top:1pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:9.95%;"> 5.50%
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:3pt;padding-right:4pt;padding-top:1pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:11.95%;"> 5.50%
                    </td>
                </tr>
                <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:4pt;padding-right:3pt;padding-top:1.75pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:25.64%;"> 1st Anniversary Renewal Cap
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:1.75pt;text-align:left;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1.75pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:9.95%;"> 4.25%
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:1.75pt;text-align:center;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1.75pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:9.95%;"> 4.25%
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:1.75pt;text-align:center;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1.75pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:9.95%;"> 4.75%
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:1.75pt;text-align:center;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1.75pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:9.95%;"> 4.75%
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:1.75pt;text-align:center;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1.75pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:9.95%;"> 4.75%
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:1.75pt;text-align:center;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:3pt;padding-right:4pt;padding-top:1.75pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:11.95%;"> 4.75%
                    </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:4pt;padding-right:3pt;padding-top:1pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:25.64%;"> 2nd Index Year Index Return
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:1pt;text-align:left;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;width:9.95%;"> 9.46% to <br>

                      17.83%
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;width:9.95%;"> 10.23% to <br>

                      15.65%
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;width:9.95%;"> 10.12% to <br>

                      15.40%
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;width:9.95%;"> 11.29% to <br>

                      14.51%
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;width:9.95%;"> 12.50% to <br>

                      14.89%
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:3pt;padding-right:4pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;width:11.95%;"> 14.11% to <br>

                      18.57%
                    </td>
                </tr>
                <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:4pt;padding-right:3pt;padding-top:1pt; text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:25.64%;"> 2nd Index Anniversary Credit
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:1pt;text-align:left;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:3pt;padding-right:3pt;padding-top:1pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:9.95%;"> 4.25%
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:3pt;padding-right:3pt;padding-top:1pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:9.95%;"> 4.25%
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:3pt;padding-right:3pt;padding-top:1pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:9.95%;"> 4.75%
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:3pt;padding-right:3pt;padding-top:1pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:9.95%;"> 4.75%
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:3pt;padding-right:3pt;padding-top:1pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:9.95%;"> 4.75%
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:3pt;padding-right:4pt;padding-top:1pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:11.95%;"> 4.75%
                    </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:4pt;padding-right:3pt;padding-top:1.75pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:25.64%;"> 2nd Anniversary Renewal Cap
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:1.75pt;text-align:left;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1.75pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:9.95%;"> 5.50%
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:1.75pt;text-align:center;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1.75pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:9.95%;"> 5.50%
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:1.75pt;text-align:center;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1.75pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:9.95%;"> 6.00%
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:1.75pt;text-align:center;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1.75pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:9.95%;"> 5.50%
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:1.75pt;text-align:center;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1.75pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:9.95%;"> 5.25%
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:1.75pt;text-align:center;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:3pt;padding-right:4pt;padding-top:1.75pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:11.95%;"> 5.25%
                    </td>
                </tr>
                <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:4pt;padding-right:3pt;padding-top:1pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:25.64%;"> 3rd Index Year Index Return
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:1pt;text-align:left;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;width:9.95%;"> -0.12% to <br>

                      11.05%
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;width:9.95%;"> 7.25% to <br>

                      11.18%
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;width:9.95%;"> -0.09% to <br>

                      12.01%
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;width:9.95%;"> 3.72% to <br>

                      10.42%
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;width:9.95%;"> 4.98% to <br>

                      9.27%
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:3pt;padding-right:4pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;width:11.95%;"> -0.63% to <br>

                      3.71%
                    </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:4pt;padding-right:3pt;padding-top:1pt; text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:25.64%;"> 3rd Index Anniversary Credit
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:1pt;text-align:left;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:3pt;padding-right:3pt;padding-top:1pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:top;width:9.95%;"> 0% to <br>

                      5.50%
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:3pt;padding-right:3pt;padding-top:1pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:9.95%;"> 5.50%
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:3pt;padding-right:3pt;padding-top:1pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:top;width:9.95%;"> 0% to <br>

                      6.00%
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:3pt;padding-right:3pt;padding-top:1pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:top;width:9.95%;"> 3.72% to <br>

                      5.50%
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:3pt;padding-right:3pt;padding-top:1pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:top;width:9.95%;"> 4.98% to <br>

                      5.25%
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:3pt;padding-right:4pt;padding-top:1pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:top;width:11.95%;"> 0% to <br>

                      3.71%
                    </td>
                </tr>
                <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:4pt;padding-right:3pt;padding-top:1.75pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:25.64%;"> 3rd Anniversary Renewal Cap
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:1.75pt;text-align:left;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1.75pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:9.95%;"> 5.50%
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:1.75pt;text-align:center;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1.75pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:9.95%;"> 5.50%
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:1.75pt;text-align:center;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1.75pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:9.95%;"> 5.25%
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:1.75pt;text-align:center;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1.75pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:9.95%;"> 5.50%
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:1.75pt;text-align:center;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1.75pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:9.95%;"> 5.75%
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:1.75pt;text-align:center;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:3pt;padding-right:4pt;padding-top:1.75pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:11.95%;"> 5.25%
                    </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:4pt;padding-right:3pt;padding-top:1pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:25.64%;"> 4th Index Year Index Return
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:1pt;text-align:left;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;width:9.95%;"> -21.63% to <br>

                      12.08%
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;width:9.95%;"> -8.16% to <br>

                      -1.63%
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;width:9.95%;"> -3.49% to <br>

                      13.79%
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;width:9.95%;"> 3.56% to <br>

                      12.50%
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;width:9.95%;"> 4.68% to <br>

                      11.55%
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:3pt;padding-right:4pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;width:11.95%;"> 12.37% to <br>

                      22.36%
                    </td>
                </tr>
                <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:4pt;padding-right:3pt;padding-top:1pt; text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:25.64%;"> 4th Index Anniversary Credit
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:1pt;text-align:left;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:3pt;padding-right:3pt;padding-top:1pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:top;width:9.95%;"> 0% to <br>

                      5.50%
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:3pt;padding-right:3pt;padding-top:1pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:9.95%;"> 0%
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:3pt;padding-right:3pt;padding-top:1pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:top;width:9.95%;"> 0% to <br>

                      5.25%
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:3pt;padding-right:3pt;padding-top:1pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:top;width:9.95%;"> 3.56% to <br>

                      5.50%
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:3pt;padding-right:3pt;padding-top:1pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:top;width:9.95%;"> 4.68% to <br>

                      5.75%
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:3pt;padding-right:4pt;padding-top:1pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:11.95%;"> 5.25%
                    </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:4pt;padding-right:3pt;padding-top:1.75pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:25.64%;"> 4th Anniversary Renewal Cap
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:1.75pt;text-align:left;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1.75pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:9.95%;"> 5.50%
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:1.75pt;text-align:center;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1.75pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:9.95%;"> 8.00%
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:1.75pt;text-align:center;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1.75pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:9.95%;"> 8.75%
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:1.75pt;text-align:center;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1.75pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:9.95%;"> 8.50%
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:1.75pt;text-align:center;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1.75pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:9.95%;"> 8.50%
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:1.75pt;text-align:center;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:3pt;padding-right:4pt;padding-top:1.75pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:11.95%;"> 9.25%
                    </td>
                </tr>
                <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:4pt;padding-right:3pt;padding-top:1pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:25.64%;"> 5th Index Year Index Return
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:1pt;text-align:left;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;width:9.95%;"> 20.39% to <br>

                      76.12%
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;width:9.95%;"> 44.93% to <br>

                      53.42%
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;width:9.95%;"> 30.76% to <br>

                      47.51%
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;width:9.95%;"> 30.76% to <br>

                      40.53%
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;width:9.95%;"> 30.96% to <br>

                      38.96%
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:3pt;padding-right:4pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;width:11.95%;"> 26.70% to <br>

                      34.25%
                    </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:4pt;padding-right:3pt;padding-top:1pt; text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:25.64%;"> 5th Index Anniversary Credit
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:1pt;text-align:left;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:3pt;padding-right:3pt;padding-top:1pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:9.95%;"> 5.50%
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:3pt;padding-right:3pt;padding-top:1pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:9.95%;"> 8.00%
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:3pt;padding-right:3pt;padding-top:1pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:9.95%;"> 8.75%
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:3pt;padding-right:3pt;padding-top:1pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:9.95%;"> 8.50%
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:3pt;padding-right:3pt;padding-top:1pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:9.95%;"> 8.50%
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:3pt;padding-right:4pt;padding-top:1pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:11.95%;"> 9.25%
                    </td>
                </tr>

            </table>
          </div>
        </div>
        <div type="Block" style="margin-top:427pt;width:100%;">
          <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:0.5pt solid #000000;height:0.5pt;width:100%;">
          <div style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:11pt;margin-bottom:2pt;margin-top:2pt;text-align:center;text-decoration:none;text-transform:none;"> Allianz Index Advantage <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#174; </sup> New York Variable Annuity Prospectus &#8211; April 29, 2022 </div>
          <div style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:11pt;text-align:center;text-decoration:none;text-transform:none;">Appendix D</div>
        </div>
        <div type="Block" style="margin-top:3pt;width:100%;">
          <div style="color:#000000;font-family:Arial;font-size:9pt;font-style:Normal;font-weight:bold;line-height:12pt;text-align:center;text-decoration:none;text-transform:none;">&#160;103&#160;</div>
        </div>
      </div>
      <div style="clear:both;font-size:12pt;height:0pt;">
      </div>
      <hr style="margin-bottom:0pt;">
      <p style="margin:0pt;page-break-before:always;">&#160;
      </p>
      <div style="width:100%;">
        <a name="xx_dee929be-a8e9-4895-8956-65538375ab99_3">
        </a>
        <div style="font-family:Arial;font-size:7pt;line-height:10pt;font-weight:Normal;text-transform:none;text-align:left;vertical-align:bottom;padding-bottom:10pt;">
          <a href="#JOB_Index_3271f810-de27-47d4-9b4d-756928a3a1d0_va-toc">
            Table of Contents
          </a>
        </div>
        <div type="Block" style="width:100%;">
          <div style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;margin-top:12pt;text-align:left;text-decoration:none;text-transform:uppercase;">Index Performance Strategy with the S&amp;P 500<sup style="font-style: Normal; text-transform: uppercase; vertical-align: text-top; line-height: 1; font-size: smaller;">&#174;</sup> Index</div>
          <div style="text-align:center;">
            <table cellspacing="0" cellpadding="0" id="zc9ed99e08d474ecda781326920b5704b" style="border-bottom:0.5pt solid #000000;border-collapse:collapse;border-top:0.5pt solid #000000;empty-cells:show;margin-left:auto;margin-right:auto;margin-top:6pt;width:99.60%;">

                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-bottom:4pt;padding-left:4pt;padding-right:4pt;padding-top:4pt;text-align:left; text-decoration:none;text-transform:none;vertical-align:top;width:100%;">The Buffer was 10% for all time periods.
                  </td>
                </tr>

            </table>
          </div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;text-align:left;text-decoration:none;text-transform:none;">&#160;&#160;&#160;&#160;</div>
          <div style="text-align:left;">
            <table cellspacing="0" cellpadding="0" id="z23911f8e30cb4d4e83b447d6295e3b91" style="border-collapse:collapse;border-top:0.5pt solid #000000;empty-cells:show;margin-top:6pt;width:99.60%;">

                <tr style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:9pt;padding-bottom:2.5pt;padding-left:4pt;padding-right:3pt;padding-top:4pt; text-align:left;text-decoration:none;text-transform:none;vertical-align:center;width:22.99%;"> Index Effective Date
                    </td>
                  <td style="line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:4pt;text-align:left;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:9pt;padding-bottom:2.5pt;padding-left:7pt;padding-right:3pt;padding-top:4pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:8.74%;"> 7/1/2014- <br>

                      8/4/2014
                    </td>
                  <td style="line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:4pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:9pt;padding-bottom:2.5pt;padding-left:7pt;padding-right:3pt;padding-top:4pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:8.74%;"> 8/5/2014- <br>

                      9/1/2014
                    </td>
                  <td style="line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:4pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:9pt;padding-bottom:2.5pt;padding-left:7pt;padding-right:3pt;padding-top:4pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:8.74%;"> 9/2/2014- <br>

                      10/6/2014
                    </td>
                  <td style="line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:4pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:9pt;padding-bottom:2.5pt;padding-left:7pt;padding-right:3pt;padding-top:4pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:8.74%;"> 10/7/2014- <br>

                      11/3/2014
                    </td>
                  <td style="line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:4pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:9pt;padding-bottom:2.5pt;padding-left:7pt;padding-right:3pt;padding-top:4pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:8.74%;"> 11/4/2014- <br>

                      12/1/2014
                    </td>
                  <td style="line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:4pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:9pt;padding-bottom:2.5pt;padding-left:7pt;padding-right:3pt;padding-top:4pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:8.74%;"> 12/2/2014- <br>

                      1/5/2015
                    </td>
                  <td style="line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:4pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:9pt;padding-bottom:2.5pt;padding-left:7pt;padding-right:4pt;padding-top:4pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:10.74%;"> 1/6/2015- <br>

                      2/2/2015
                    </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:4pt;padding-right:3pt;padding-top:1.75pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:22.99%;"> Initial Cap
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:1.75pt;text-align:left;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1.75pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:8.74%;"> 13.00%
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:1.75pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1.75pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:8.74%;"> 12.75%
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:1.75pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1.75pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:8.74%;"> 12.75%
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:1.75pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1.75pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:8.74%;"> 12.50%
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:1.75pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1.75pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:8.74%;"> 13.50%
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:1.75pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1.75pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:8.74%;"> 12.75%
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:1.75pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:3pt;padding-right:4pt;padding-top:1.75pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:10.74%;"> 11.75%
                    </td>
                </tr>
                <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:4pt;padding-right:3pt;padding-top:1pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:22.99%;"> 1st Index Year Index Return
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:1pt;text-align:left;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;width:8.74%;"> 3.98% to <br>

                      8.98%
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;width:8.74%;"> -6.52% to <br>

                      9.35%
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;width:8.74%;"> -5.10% to <br>

                      0.97%
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;width:8.74%;"> 2.26% to <br>

                      9.15%
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;width:8.74%;"> -0.80% to <br>

                      4.48%
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;width:8.74%;"> -2.70% to <br>

                      5.09%
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:3pt;padding-right:4pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;width:10.74%;"> -8.52% to <br>

                      -0.62%
                    </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:4pt;padding-right:3pt;padding-top:1pt; text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:22.99%;"> 1st Index Anniversary Credit
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:1pt;text-align:left;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:3pt;padding-right:3pt;padding-top:1pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:top;width:8.74%;"> 3.98% to <br>

                      8.98%
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:3pt;padding-right:3pt;padding-top:1pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:top;width:8.74%;"> 0% to <br>

                      9.35%
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:3pt;padding-right:3pt;padding-top:1pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:top;width:8.74%;"> 0% to <br>

                      0.97%
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:3pt;padding-right:3pt;padding-top:1pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:top;width:8.74%;"> 2.26% to <br>

                      9.15%
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:3pt;padding-right:3pt;padding-top:1pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:top;width:8.74%;"> 0% to <br>

                      4.48%
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:3pt;padding-right:3pt;padding-top:1pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:top;width:8.74%;"> 0% to <br>

                      5.09%
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:3pt;padding-right:4pt;padding-top:1pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:10.74%;"> 0%
                    </td>
                </tr>
                <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:4pt;padding-right:3pt;padding-top:1.75pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:22.99%;"> 1st Anniversary Renewal Cap
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:1.75pt;text-align:left;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1.75pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:8.74%;"> 10.50%
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:1.75pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1.75pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:8.74%;"> 10.75%
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:1.75pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1.75pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:8.74%;"> 10.50%
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:1.75pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1.75pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:8.74%;"> 13.50%
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:1.75pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1.75pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:8.74%;"> 15.50%
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:1.75pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1.75pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:8.74%;"> 13.50%
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:1.75pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:3pt;padding-right:4pt;padding-top:1.75pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:10.74%;"> 12.50%
                    </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:4pt;padding-right:3pt;padding-top:1pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:22.99%;"> 2nd Index Year Index Return
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:1pt;text-align:left;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;width:8.74%;"> 0.80% to <br>

                      4.88%
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;width:8.74%;"> 3.65% to <br>

                      16.32%
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;width:8.74%;"> 7.21% to <br>

                      14.05%
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;width:8.74%;"> -1.00% to <br>

                      7.91%
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;width:8.74%;"> -0.81% to <br>

                      6.98%
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;width:8.74%;"> 5.40% to <br>

                      12.81%
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:3pt;padding-right:4pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;width:10.74%;"> 14.41% to <br>

                      22.16%
                    </td>
                </tr>
                <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:4pt;padding-right:3pt;padding-top:1pt; text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:22.99%;"> 2nd Index Anniversary Credit
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:1pt;text-align:left;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:3pt;padding-right:3pt;padding-top:1pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:top;width:8.74%;"> 0.80% to <br>

                      4.88%
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:3pt;padding-right:3pt;padding-top:1pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:top;width:8.74%;"> 3.65% to <br>

                      10.75%
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:3pt;padding-right:3pt;padding-top:1pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:top;width:8.74%;"> 7.21% to <br>

                      10.50%
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:3pt;padding-right:3pt;padding-top:1pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:top;width:8.74%;"> 0% to <br>

                      7.91%
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:3pt;padding-right:3pt;padding-top:1pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:top;width:8.74%;"> 0% to <br>

                      6.98%
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:3pt;padding-right:3pt;padding-top:1pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:top;width:8.74%;"> 5.40% to <br>

                      12.81%
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:3pt;padding-right:4pt;padding-top:1pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:10.74%;"> 12.50%
                    </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:4pt;padding-right:3pt;padding-top:1.75pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:22.99%;"> 2nd Anniversary Renewal Cap
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:1.75pt;text-align:left;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1.75pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:8.74%;"> 13.25%
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:1.75pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1.75pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:8.74%;"> 13.00%
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:1.75pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1.75pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:8.74%;"> 11.25%
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:1.75pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1.75pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:8.74%;"> 10.75%
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:1.75pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1.75pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:8.74%;"> 11.00%
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:1.75pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1.75pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:8.74%;"> 11.25%
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:1.75pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:3pt;padding-right:4pt;padding-top:1.75pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:10.74%;"> 10.75%
                    </td>
                </tr>
                <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:4pt;padding-right:3pt;padding-top:1pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:22.99%;"> 3rd Index Year Index Return
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:1pt;text-align:left;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;width:8.74%;"> 13.49% to <br>

                      15.60%
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;width:8.74%;"> 10.91% to <br>

                      14.08%
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;width:8.74%;"> 12.75% to <br>

                      17.98%
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;width:8.74%;"> 17.61% to <br>

                      23.90%
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;width:8.74%;"> 17.47% to <br>

                      24.26%
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;width:8.74%;"> 17.72% to <br>

                      20.90%
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:3pt;padding-right:4pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;width:10.74%;"> 20.67% to <br>

                      25.34%
                    </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:4pt;padding-right:3pt;padding-top:1pt; text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:22.99%;"> 3rd Index Anniversary Credit
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:1pt;text-align:left;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:3pt;padding-right:3pt;padding-top:1pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:8.74%;"> 13.25%
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:3pt;padding-right:3pt;padding-top:1pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:top;width:8.74%;"> 10.91% to <br>

                      13.00%
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:3pt;padding-right:3pt;padding-top:1pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:8.74%;"> 11.25%
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:3pt;padding-right:3pt;padding-top:1pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:8.74%;"> 10.75%
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:3pt;padding-right:3pt;padding-top:1pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:8.74%;"> 11.00%
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:3pt;padding-right:3pt;padding-top:1pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:8.74%;"> 11.25%
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:3pt;padding-right:4pt;padding-top:1pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:10.74%;"> 10.75%
                    </td>
                </tr>
                <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:4pt;padding-right:3pt;padding-top:1.75pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:22.99%;"> 3rd Anniversary Renewal Cap
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:1.75pt;text-align:left;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1.75pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:8.74%;"> 10.25%
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:1.75pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1.75pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:8.74%;"> 10.00%
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:1.75pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1.75pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:8.74%;"> 9.25%
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:1.75pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1.75pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:8.74%;"> 9.75%
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:1.75pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1.75pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:8.74%;"> 9.50%
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:1.75pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1.75pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:8.74%;"> 9.50%
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:1.75pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:3pt;padding-right:4pt;padding-top:1.75pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:10.74%;"> 9.75%
                    </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:4pt;padding-right:3pt;padding-top:1pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:22.99%;"> 4th Index Year Index Return
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:1pt;text-align:left;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;width:8.74%;"> 11.70% to <br>

                      15.09%
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;width:8.74%;"> 14.35% to <br>

                      18.57%
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;width:8.74%;"> 13.14% to <br>

                      17.53%
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;width:8.74%;"> 2.33% to <br>

                      13.35%
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;width:8.74%;"> 1.96% to <br>

                      8.62%
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;width:8.74%;"> -12.38% to <br>

                      5.72%
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:3pt;padding-right:4pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;width:10.74%;"> -7.97% to <br>

                      -1.35%
                    </td>
                </tr>
                <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:4pt;padding-right:3pt;padding-top:1pt; text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:22.99%;"> 4th Index Anniversary Credit
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:1pt;text-align:left;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:3pt;padding-right:3pt;padding-top:1pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:8.74%;"> 10.25%
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:3pt;padding-right:3pt;padding-top:1pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:8.74%;"> 10.00%
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:3pt;padding-right:3pt;padding-top:1pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:8.74%;"> 9.25%
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:3pt;padding-right:3pt;padding-top:1pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:top;width:8.74%;"> 2.33% to <br>

                      9.75%
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:3pt;padding-right:3pt;padding-top:1pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:top;width:8.74%;"> 1.96% to <br>

                      8.62%
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:3pt;padding-right:3pt;padding-top:1pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:top;width:8.74%;"> -2.38% to <br>

                      5.72%
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:3pt;padding-right:4pt;padding-top:1pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:10.74%;"> 0%
                    </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:4pt;padding-right:3pt;padding-top:1.75pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:22.99%;"> 4th Anniversary Renewal Cap
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:1.75pt;text-align:left;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1.75pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:8.74%;"> 10.75%
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:1.75pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1.75pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:8.74%;"> 10.75%
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:1.75pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1.75pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:8.74%;"> 10.50%
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:1.75pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1.75pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:8.74%;"> 10.75%
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:1.75pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1.75pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:8.74%;"> 10.50%
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:1.75pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1.75pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:8.74%;"> 12.00%
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:1.75pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:3pt;padding-right:4pt;padding-top:1.75pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:10.74%;"> 12.50%
                    </td>
                </tr>
                <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:4pt;padding-right:3pt;padding-top:1pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:22.99%;"> 5th Index Year Index Return
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:1pt;text-align:left;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;width:8.74%;"> -0.20% to <br>

                      10.42%
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;width:8.74%;"> -0.95% to <br>

                      3.70%
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;width:8.74%;"> -1.23% to <br>

                      4.18%
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;width:8.74%;"> 0.30% to <br>

                      15.08%
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;width:8.74%;"> 9.64% to <br>

                      17.66%
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;width:8.74%;"> 10.85% to <br>

                      37.13%
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:3pt;padding-right:4pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;width:10.74%;"> 19.23% to <br>

                      27.32%
                    </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:4pt;padding-right:3pt;padding-top:1pt; text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:22.99%;"> 5th Index Anniversary Credit
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:1pt;text-align:left;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:3pt;padding-right:3pt;padding-top:1pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:top;width:8.74%;"> 0% to <br>

                      10.42%
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:3pt;padding-right:3pt;padding-top:1pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:top;width:8.74%;"> 0% to <br>

                      3.70%
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:3pt;padding-right:3pt;padding-top:1pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:top;width:8.74%;"> 0% to <br>

                      4.18%
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:3pt;padding-right:3pt;padding-top:1pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:top;width:8.74%;"> 0.30% to <br>

                      10.75%
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:3pt;padding-right:3pt;padding-top:1pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:top;width:8.74%;"> 9.64% to <br>

                      10.50%
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:3pt;padding-right:3pt;padding-top:1pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:top;width:8.74%;"> 10.85% to <br>

                      12.00%
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:3pt;padding-right:4pt;padding-top:1pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:10.74%;"> 12.50%
                    </td>
                </tr>
                <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:4pt;padding-right:3pt;padding-top:1.75pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:22.99%;"> 5th Anniversary Renewal Cap
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:1.75pt;text-align:left;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1.75pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:8.74%;"> 12.00%
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:1.75pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1.75pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:8.74%;"> 10.50%
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:1.75pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1.75pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:8.74%;"> 12.00%
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:1.75pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1.75pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:8.74%;"> 12.50%
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:1.75pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1.75pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:8.74%;"> 12.75%
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:1.75pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1.75pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:8.74%;"> 13.25%
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:1.75pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:3pt;padding-right:4pt;padding-top:1.75pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:10.74%;"> 12.75%
                    </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:4pt;padding-right:3pt;padding-top:1pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:22.99%;"> 6th Index Year Index Return
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:1pt;text-align:left;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;width:8.74%;"> 4.48% to <br>

                      16.23%
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;width:8.74%;"> 14.38% to <br>

                      21.47%
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;width:8.74%;"> 8.19% to <br>

                      22.36%
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;width:8.74%;"> 7.62% to <br>

                      20.29%
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;width:8.74%;"> 11.86% to <br>

                      17.62%
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;width:8.74%;"> 13.59% to <br>

                      18.84%
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:3pt;padding-right:4pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;width:10.74%;"> 13.61% to <br>

                      18.68%
                    </td>
                </tr>
                <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:4pt;padding-right:3pt;padding-top:1pt; text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:22.99%;"> 6th Index Anniversary Credit
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:1pt;text-align:left;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:3pt;padding-right:3pt;padding-top:1pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:top;width:8.74%;"> 4.48% to <br>

                      12.00%
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:3pt;padding-right:3pt;padding-top:1pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:8.74%;"> 10.50%
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:3pt;padding-right:3pt;padding-top:1pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:top;width:8.74%;"> 8.19% to <br>

                      12.00%
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:3pt;padding-right:3pt;padding-top:1pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:top;width:8.74%;"> 7.62% to <br>

                      12.50%
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:3pt;padding-right:3pt;padding-top:1pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:top;width:8.74%;"> 11.86% to <br>

                      12.75%
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:3pt;padding-right:3pt;padding-top:1pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:8.74%;"> 13.25%
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:3pt;padding-right:4pt;padding-top:1pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:10.74%;"> 12.75%
                    </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:4pt;padding-right:3pt;padding-top:1.75pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:22.99%;"> 6th Anniversary Renewal Cap
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:1.75pt;text-align:left;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1.75pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:8.74%;"> 18.00%
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:1.75pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1.75pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:8.74%;"> 20.25%
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:1.75pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1.75pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:8.74%;"> 19.25%
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:1.75pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1.75pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:8.74%;"> 17.50%
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:1.75pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1.75pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:8.74%;"> 19.00%
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:1.75pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1.75pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:8.74%;"> 17.50%
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:1.75pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="line-height:0pt;padding-right:4pt;padding-top:1.75pt;text-align:center;vertical-align:top;width:10.74%;"> &#160;
                    </td>
                </tr>
                <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:4pt;padding-right:3pt;padding-top:1pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:22.99%;"> 7th Index Year Index Return
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:1pt;text-align:left;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;width:8.74%;"> 30.96% to <br>

                      39.05%
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;width:8.74%;"> 28.28% to <br>

                      33.42%
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;width:8.74%;"> 26.16% to <br>

                      37.44%
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;width:8.74%;"> 23.40% to <br>

                      40.52%
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;width:8.74%;"> 23.22% to <br>

                      35.91%
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;width:8.74%;"> 23.15% to <br>

                      29.61%
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="line-height:0pt;padding-right:4pt;padding-top:1pt;text-align:center;vertical-align:top;width:10.74%;"> &#160;
                    </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:4pt;padding-right:3pt;padding-top:1pt; text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:22.99%;"> 7th Index Anniversary Credit
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:1pt;text-align:left;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:3pt;padding-right:3pt;padding-top:1pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:8.74%;"> 18.00%
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:3pt;padding-right:3pt;padding-top:1pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:8.74%;"> 20.25%
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:3pt;padding-right:3pt;padding-top:1pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:8.74%;"> 19.25%
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:3pt;padding-right:3pt;padding-top:1pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:8.74%;"> 17.50%
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:3pt;padding-right:3pt;padding-top:1pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:8.74%;"> 19.00%
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:3pt;padding-right:3pt;padding-top:1pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:8.74%;"> 17.50%
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.01%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-bottom:2.5pt;padding-right:4pt;padding-top:1pt;text-align:center;vertical-align:top;width:10.74%;"> &#160;
                    </td>
                </tr>

            </table>
          </div>
          <div style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;text-align:center;text-decoration:none;text-transform:none;">&#160;&#160;&#160;&#160;</div>
        </div>
        <div type="Block" style="margin-top:269pt;width:100%;">
          <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:0.5pt solid #000000;height:0.5pt;width:100%;">
          <div style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:11pt;margin-bottom:2pt;margin-top:2pt;text-align:center;text-decoration:none;text-transform:none;"> Allianz Index Advantage <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#174; </sup> New York Variable Annuity Prospectus &#8211; April 29, 2022 </div>
          <div style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:11pt;text-align:center;text-decoration:none;text-transform:none;">Appendix D</div>
        </div>
        <div type="Block" style="margin-top:3pt;width:100%;">
          <div style="color:#000000;font-family:Arial;font-size:9pt;font-style:Normal;font-weight:bold;line-height:12pt;text-align:center;text-decoration:none;text-transform:none;">&#160;104&#160;</div>
        </div>
      </div>
      <div style="clear:both;font-size:12pt;height:0pt;">
      </div>
      <hr style="margin-bottom:0pt;">
      <p style="margin:0pt;page-break-before:always;">&#160;
      </p>
      <div style="width:100%;">
        <a name="xx_dee929be-a8e9-4895-8956-65538375ab99_4">
        </a>
        <div style="font-family:Arial;font-size:7pt;line-height:10pt;font-weight:Normal;text-transform:none;text-align:left;vertical-align:bottom;padding-bottom:10pt;">
          <a href="#JOB_Index_3271f810-de27-47d4-9b4d-756928a3a1d0_va-toc">
            Table of Contents
          </a>
        </div>
        <div type="Block" style="width:100%;">
          <div style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:13pt;text-align:left;text-decoration:none;text-transform:uppercase;">Index Performance Strategy with the S&amp;
            P 500<sup style="font-style: Normal; text-transform: uppercase; vertical-align: text-top; line-height: 1; font-size: smaller;">&#174;</sup> Index<font style="text-transform:none;"> (continued)<br>
            </font></div>
          <div style="text-align:left;">
            <table cellspacing="0" cellpadding="0" id="z3c00400613fd42ab83ae12355e863072" style="border-collapse:collapse;border-top:0.5pt solid #000000;empty-cells:show;margin-top:0pt;width:79.43%;">

                <tr style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:9pt;padding-bottom:2.5pt;padding-left:4pt;padding-right:3pt;padding-top:4pt; text-align:left;text-decoration:none;text-transform:none;vertical-align:center;width:29.35%;"> Index Effective Date
                    </td>
                  <td style="line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:4pt;text-align:left;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:9pt;padding-bottom:2.5pt;padding-left:7pt;padding-right:3pt;padding-top:4pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:11.58%;"> 2/3/2015- <br>

                      3/2/2015
                    </td>
                  <td style="line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:4pt;text-align:center;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:9pt;padding-bottom:2.5pt;padding-left:7pt;padding-right:3pt;padding-top:4pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:11.58%;"> 3/3/2015- <br>

                      4/6/2015
                    </td>
                  <td style="line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:4pt;text-align:center;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:9pt;padding-bottom:2.5pt;padding-left:7pt;padding-right:3pt;padding-top:4pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:11.58%;"> 4/7/2015- <br>

                      5/4/2015
                    </td>
                  <td style="line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:4pt;text-align:center;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:9pt;padding-bottom:2.5pt;padding-left:7pt;padding-right:3pt;padding-top:4pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:11.58%;"> 5/5/2015- <br>

                      6/1/2015
                    </td>
                  <td style="line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:4pt;text-align:center;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:9pt;padding-bottom:2.5pt;padding-left:7pt;padding-right:4pt;padding-top:4pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:13.58%;"> 6/2/2015- <br>

                      7/6/2015
                    </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:4pt;padding-right:3pt;padding-top:1.75pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:29.35%;"> Initial Cap
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:1.75pt;text-align:left;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1.75pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:11.58%;"> 12.00%
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:1.75pt;text-align:center;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1.75pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:11.58%;"> 11.75%
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:1.75pt;text-align:center;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1.75pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:11.58%;"> 11.00%
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:1.75pt;text-align:center;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1.75pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:11.58%;"> 11.00%
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:1.75pt;text-align:center;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:3pt;padding-right:4pt;padding-top:1.75pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:13.58%;"> 10.75%
                    </td>
                </tr>
                <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:4pt;padding-right:3pt;padding-top:1pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:29.35%;"> 1st Index Year Index Return
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:1pt;text-align:left;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;width:11.58%;"> -11.58% to <br>

                      -6.17%
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;width:11.58%;"> -5.43% to <br>

                      0.64%
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;width:11.58%;"> -3.00% to <br>

                      0.63%
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;width:11.58%;"> -4.13% to <br>

                      -0.59%
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:3pt;padding-right:4pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;width:13.58%;"> -4.84% to <br>

                      1.92%
                    </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:4pt;padding-right:3pt;padding-top:1pt; text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:29.35%;"> 1st Index Anniversary Credit
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:1pt;text-align:left;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:3pt;padding-right:3pt;padding-top:1pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:top;width:11.58%;"> -1.58% to <br>

                      0.00%
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:3pt;padding-right:3pt;padding-top:1pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:top;width:11.58%;"> 0% to <br>

                      0.64%
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:3pt;padding-right:3pt;padding-top:1pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:top;width:11.58%;"> 0% to <br>

                      0.63%
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:3pt;padding-right:3pt;padding-top:1pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:11.58%;"> 0%
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:3pt;padding-right:4pt;padding-top:1pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:top;width:13.58%;"> 0% to <br>

                      1.92%
                    </td>
                </tr>
                <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:4pt;padding-right:3pt;padding-top:1.75pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:29.35%;"> 1st Anniversary Renewal Cap
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:1.75pt;text-align:left;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1.75pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:11.58%;"> 13.25%
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:1.75pt;text-align:center;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1.75pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:11.58%;"> 15.50%
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:1.75pt;text-align:center;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1.75pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:11.58%;"> 15.50%
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:1.75pt;text-align:center;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1.75pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:11.58%;"> 13.75%
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:1.75pt;text-align:center;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:3pt;padding-right:4pt;padding-top:1.75pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:13.58%;"> 12.50%
                    </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:4pt;padding-right:3pt;padding-top:1pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:29.35%;"> 2nd Index Year Index Return
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:1pt;text-align:left;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;width:11.58%;"> 19.69% to <br>

                      27.29%
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;width:11.58%;"> 13.80% to <br>

                      19.55%
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;width:11.58%;"> 11.82% to <br>

                      16.50%
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;width:11.58%;"> 15.09% to <br>

                      17.38%
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:3pt;padding-right:4pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;width:13.58%;"> 14.76% to <br>

                      21.92%
                    </td>
                </tr>
                <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:4pt;padding-right:3pt;padding-top:1pt; text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:29.35%;"> 2nd Index Anniversary Credit
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:1pt;text-align:left;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:3pt;padding-right:3pt;padding-top:1pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:11.58%;"> 13.25%
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:3pt;padding-right:3pt;padding-top:1pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:top;width:11.58%;"> 13.80% to <br>

                      15.50%
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:3pt;padding-right:3pt;padding-top:1pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:top;width:11.58%;"> 11.82% to <br>

                      15.50%
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:3pt;padding-right:3pt;padding-top:1pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:11.58%;"> 13.75%
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:3pt;padding-right:4pt;padding-top:1pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:13.58%;"> 12.50%
                    </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:4pt;padding-right:3pt;padding-top:1.75pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:29.35%;"> 2nd Anniversary Renewal Cap
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:1.75pt;text-align:left;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1.75pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:11.58%;"> 10.25%
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:1.75pt;text-align:center;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1.75pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:11.58%;"> 12.00%
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:1.75pt;text-align:center;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1.75pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:11.58%;"> 12.00%
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:1.75pt;text-align:center;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1.75pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:11.58%;"> 10.50%
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:1.75pt;text-align:center;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:3pt;padding-right:4pt;padding-top:1.75pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:13.58%;"> 10.25%
                    </td>
                </tr>
                <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:4pt;padding-right:3pt;padding-top:1pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:29.35%;"> 3rd Index Year Index Return
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:1pt;text-align:left;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;width:11.58%;"> 12.99% to <br>

                      17.56%
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;width:11.58%;"> 9.46% to <br>

                      17.83%
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;width:11.58%;"> 10.86% to <br>

                      15.21%
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;width:11.58%;"> 11.36% to <br>

                      14.75%
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:3pt;padding-right:4pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;width:13.58%;"> 11.40% to <br>

                      14.71%
                    </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:4pt;padding-right:3pt;padding-top:1pt; text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:29.35%;"> 3rd Index Anniversary Credit
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:1pt;text-align:left;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:3pt;padding-right:3pt;padding-top:1pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:11.58%;"> 10.25%
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:3pt;padding-right:3pt;padding-top:1pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:top;width:11.58%;"> 9.46% to <br>

                      12.00%
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:3pt;padding-right:3pt;padding-top:1pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:top;width:11.58%;"> 10.86% to <br>

                      12.00%
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:3pt;padding-right:3pt;padding-top:1pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:11.58%;"> 10.50%
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:3pt;padding-right:4pt;padding-top:1pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:13.58%;"> 10.25%
                    </td>
                </tr>
                <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:4pt;padding-right:3pt;padding-top:1.75pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:29.35%;"> 3rd Anniversary Renewal Cap
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:1.75pt;text-align:left;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1.75pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:11.58%;"> 9.25%
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:1.75pt;text-align:center;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1.75pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:11.58%;"> 12.00%
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:1.75pt;text-align:center;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1.75pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:11.58%;"> 11.50%
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:1.75pt;text-align:center;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1.75pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:11.58%;"> 13.75%
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:1.75pt;text-align:center;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:3pt;padding-right:4pt;padding-top:1.75pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:13.58%;"> 11.75%
                    </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:4pt;padding-right:3pt;padding-top:1pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:29.35%;"> 4th Index Year Index Return
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:1pt;text-align:left;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;width:11.58%;"> 0.51% to <br>

                      3.77%
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;width:11.58%;"> -0.12% to <br>

                      11.18%
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;width:11.58%;"> 7.17% to <br>

                      11.14%
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;width:11.58%;"> 0.36% to <br>

                      9.72%
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:3pt;padding-right:4pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;width:13.58%;"> -0.09% to <br>

                      10.42%
                    </td>
                </tr>
                <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:4pt;padding-right:3pt;padding-top:1pt; text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:29.35%;"> 4th Index Anniversary Credit
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:1pt;text-align:left;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:3pt;padding-right:3pt;padding-top:1pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:top;width:11.58%;"> 0.51% to <br>

                      3.77%
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:3pt;padding-right:3pt;padding-top:1pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:top;width:11.58%;"> 0% to <br>

                      11.18%
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:3pt;padding-right:3pt;padding-top:1pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:top;width:11.58%;"> 7.17% to <br>

                      11.14%
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:3pt;padding-right:3pt;padding-top:1pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:top;width:11.58%;"> 0.36% to <br>

                      9.72%
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:3pt;padding-right:4pt;padding-top:1pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:top;width:13.58%;"> 0% to <br>

                      10.42%
                    </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:4pt;padding-right:3pt;padding-top:1.75pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:29.35%;"> 4th Anniversary Renewal Cap
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:1.75pt;text-align:left;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1.75pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:11.58%;"> 13.25%
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:1.75pt;text-align:center;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1.75pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:11.58%;"> 11.75%
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:1.75pt;text-align:center;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1.75pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:11.58%;"> 10.75%
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:1.75pt;text-align:center;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1.75pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:11.58%;"> 10.75%
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:1.75pt;text-align:center;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:3pt;padding-right:4pt;padding-top:1.75pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:13.58%;"> 11.00%
                    </td>
                </tr>
                <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:4pt;padding-right:3pt;padding-top:1pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:29.35%;"> 5th Index Year Index Return
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:1pt;text-align:left;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;width:11.58%;"> 6.67% to <br>

                      23.91%
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;width:11.58%;"> -20.05% to <br>

                      12.08%
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;width:11.58%;"> -8.16% to <br>

                      -0.89%
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;width:11.58%;"> -2.87% to <br>

                      11.34%
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:3pt;padding-right:4pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;width:13.58%;"> 3.27% to <br>

                      13.79%
                    </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:4pt;padding-right:3pt;padding-top:1pt; text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:29.35%;"> 5th Index Anniversary Credit
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:1pt;text-align:left;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:3pt;padding-right:3pt;padding-top:1pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:top;width:11.58%;"> 6.67% to <br>

                      13.25%
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:3pt;padding-right:3pt;padding-top:1pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:top;width:11.58%;"> -10.05% to <br>

                      11.75%
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:3pt;padding-right:3pt;padding-top:1pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:11.58%;"> 0%
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:3pt;padding-right:3pt;padding-top:1pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:top;width:11.58%;"> 0% to <br>

                      10.75%
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:3pt;padding-right:4pt;padding-top:1pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:top;width:13.58%;"> 3.27% to <br>

                      11.00%
                    </td>
                </tr>
                <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:4pt;padding-right:3pt;padding-top:1.75pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:29.35%;"> 5th Anniversary Renewal Cap
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:1.75pt;text-align:left;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1.75pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:11.58%;"> 12.25%
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:1.75pt;text-align:center;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1.75pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:11.58%;"> 11.75%
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:1.75pt;text-align:center;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1.75pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:11.58%;"> 14.25%
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:1.75pt;text-align:center;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1.75pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:11.58%;"> 15.50%
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:1.75pt;text-align:center;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:3pt;padding-right:4pt;padding-top:1.75pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:13.58%;"> 16.00%
                    </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:4pt;padding-right:3pt;padding-top:1pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:29.35%;"> 6th Index Year Index Return
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:1pt;text-align:left;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;width:11.58%;"> 14.92% to <br>

                      30.99%
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;width:11.58%;"> 20.39% to <br>

                      74.78%
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;width:11.58%;"> 44.83% to <br>

                      53.42%
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;width:11.58%;"> 37.51% to <br>

                      47.51%
                    </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:3pt;padding-right:4pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;width:13.58%;"> 30.78% to <br>

                      42.59%
                    </td>
                </tr>
                <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:4pt;padding-right:3pt;padding-top:1pt; text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:29.35%;"> 6th Index Anniversary Credit
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:1pt;text-align:left;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:3pt;padding-right:3pt;padding-top:1pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:11.58%;"> 12.25%
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:3pt;padding-right:3pt;padding-top:1pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:11.58%;"> 11.75%
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:3pt;padding-right:3pt;padding-top:1pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:11.58%;"> 14.25%
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:3pt;padding-right:3pt;padding-top:1pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:11.58%;"> 15.50%
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.00%;"> &#160;
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:3pt;padding-right:4pt;padding-top:1pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:13.58%;"> 16.00%
                    </td>
                </tr>

            </table>
          </div>
        </div>
        <div type="Block" style="margin-top:330pt;width:100%;">
          <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:0.5pt solid #000000;height:0.5pt;width:100%;">
          <div style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:11pt;margin-bottom:2pt;margin-top:2pt;text-align:center;text-decoration:none;text-transform:none;"> Allianz Index Advantage <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#174; </sup> New York Variable Annuity Prospectus &#8211; April 29, 2022 </div>
          <div style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:11pt;text-align:center;text-decoration:none;text-transform:none;">Appendix D</div>
        </div>
        <div type="Block" style="margin-top:3pt;width:100%;">
          <div style="color:#000000;font-family:Arial;font-size:9pt;font-style:Normal;font-weight:bold;line-height:12pt;text-align:center;text-decoration:none;text-transform:none;">&#160;105&#160;</div>
        </div>
      </div>
      <div style="clear:both;font-size:12pt;height:0pt;">
      </div>
      <hr style="margin-bottom:0pt;">
      <p style="margin:0pt;page-break-before:always;">&#160;
      </p>
      <div style="width:100%;">
        <a name="xx_1940c5d3-2b84-48e5-8848-f6bf8ef7cab8_1">
        </a>
        <div style="font-family:Arial;font-size:7pt;line-height:10pt;font-weight:Normal;text-transform:none;text-align:left;vertical-align:bottom;padding-bottom:10pt;">
          <a href="#JOB_Index_3271f810-de27-47d4-9b4d-756928a3a1d0_va-toc">
            Table of Contents
          </a>
        </div>
        <div type="Block" style="width:100%;">
          <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:2pt solid #000000;height:2pt;width:100%;">
          <div style="color:#000000;font-family:Arial;font-size:11pt;font-style:Normal;font-weight:Normal;line-height:13pt;margin-top:5pt;text-align:left;text-decoration:none;text-transform:uppercase;">Appendix E &#8211; Annual Contract Fees Calculation Examples</div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;line-height:12pt;margin-top:1pt;text-align:left;text-decoration:none;text-transform:none;">Please note that these examples may differ from
            your actual results due to rounding.</div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;">On the Quarterly Contract Anniversary your annual
            product fee is 1.25% and your Contract Value and Charge Base are $100,000. This Contract Value includes any Variable Option gains or losses and any Daily Adjustments or Performance Credits on the Index Options. During the quarter you make no
            additional Purchase Payments and take no withdrawals. We calculate the daily product fee amount for this quarter as follows:</div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;">(the Charge Base) x (annual product fee &#247; 365) =
            daily product fee amount, or:<font style="font-weight:Normal;"> $100,000 x (1.25% &#247; 365) = $3.42</font></div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;">If there are 89 days in the current quarter
            (which includes the next Quarterly Contract Anniversary), then the total quarterly product fee is:</div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;">(number of days in the current quarter) x (daily
            product fee amount), or:<font style="font-weight:Normal;"> 89 x $3.42 = $304.79</font></div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-bottom:2pt;margin-top:2pt;text-align:left;text-decoration:none;text-transform:none;"> On the next Quarterly
              Contract Anniversary we would deduct $304.79 from the Contract Value. We first account for any gains/losses on the Variable Options and add any Daily Adjustments or Performance Credits to the Index Option Values, then process any additional
              Purchase Payments, withdrawals you take, and deductions we make for the total quarterly product fee. We then set the Charge Base equal to this new Contract Value. If the Contract Value at the end of the day on the Quarterly Contract
              Anniversary after all processing is $101,250 we would begin computing the daily product fee for the next quarter on the next day as: </div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;">(the Charge Base) x (annual product fee &#247; 365) =
            daily product fee amount, or:<font style="font-weight:Normal;"> $101,250 x (1.25% &#247; 365) = $3.47</font></div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-bottom:2pt;margin-top:2pt;text-align:left;text-decoration:none;text-transform:none;"> If you make an additional
              Purchase Payment of $15,000 on the 43rd day of the next quarter, your Charge Base would increase by the dollar amount of the payment to $116,250 ($101,250 + $15,000). We would then use this new Charge Base to begin computing the daily product
              fee for the remainder of the quarter on the next day as: </div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;">(the Charge Base) x (annual product fee &#247; 365) =
            daily product fee amount, or:<font style="font-weight:Normal;"> $116,250 x (1.25% &#247; 365) = $3.98</font></div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;">If there are 92 days in the current quarter
            (which includes the next Quarterly Contract Anniversary), then the total quarterly product fee is:</div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;">(number of days in the current quarter) x (daily
            product fee amount), or:</div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;">(43 x $3.47) + (49 x $3.98) = $149.10 + $195.08 =
            $344.18</div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-bottom:2pt;margin-top:2pt;text-align:left;text-decoration:none;text-transform:none;"> On the next Quarterly
              Contract Anniversary we would deduct $344.18 from the Contract Value after we account for any gains/losses on the Variable Option and add any Daily Adjustments or Performance Credits to the Index Option Values. We would then process any
              additional Purchase Payments, withdrawals you take, and deductions we make for the total quarterly product fee and set the Charge Base equal to this new Contract Value and begin computing the daily product fee for the next quarter on the next
              day. </div>
        </div>
        <div type="Block" style="margin-top:228pt;width:100%;">
          <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:0.5pt solid #000000;height:0.5pt;width:100%;">
          <div style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:11pt;margin-bottom:2pt;margin-top:2pt;text-align:center;text-decoration:none;text-transform:none;"> Allianz Index Advantage <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#174; </sup> New York Variable Annuity Prospectus &#8211; April 29, 2022 </div>
          <div style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:11pt;text-align:center;text-decoration:none;text-transform:none;">Appendix E</div>
        </div>
        <div type="Block" style="margin-top:3pt;width:100%;">
          <div style="color:#000000;font-family:Arial;font-size:9pt;font-style:Normal;font-weight:bold;line-height:12pt;text-align:center;text-decoration:none;text-transform:none;">&#160;106&#160;</div>
        </div>
      </div>
      <div style="clear:both;font-size:12pt;height:0pt;">
      </div>
      <hr style="margin-bottom:0pt;">
      <p style="margin:0pt;page-break-before:always;">&#160;
      </p>
      <div style="width:100%;">
        <a name="xx_deb56f73-ec3b-4b6b-b148-14bf0c41802e_1">
        </a>
        <div style="font-family:Arial;font-size:7pt;line-height:10pt;font-weight:Normal;text-transform:none;text-align:left;vertical-align:bottom;padding-bottom:10pt;">
          <a href="#JOB_Index_3271f810-de27-47d4-9b4d-756928a3a1d0_va-toc">
            Table of Contents
          </a>
        </div>
        <div type="Block" style="width:100%;">
          <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:2pt solid #000000;height:2pt;width:100%;">
          <div style="color:#000000;font-family:Arial;font-size:11pt;font-style:Normal;font-weight:Normal;line-height:13pt;margin-top:5pt;text-align:left;text-decoration:none;text-transform:uppercase;">Appendix F &#8211; Material Contract Variations by Issue
            Date</div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:1pt;text-align:left;text-decoration:none;text-transform:none;">All material Issue Date variations in the
            Contract are disclosed in this Appendix. If you would like more information regarding Issue Date specific Contract provisions, you should contact your Financial Professional or contact our Service Center at the toll-free telephone number listed
            at the back of this prospectus.</div>
          <div style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:uppercase;">Crediting Method and/or Index Availability
            Restrictions</div>
          <div style="text-align:center;">
            <table cellspacing="0" cellpadding="0" id="z6cd3683039784f39badda306364caa95" style="border-collapse:collapse;empty-cells:show;margin-left:auto;margin-right:auto;margin-top:6pt;width:93.93%;">

                <tr style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:9pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-bottom:2.5pt;padding-left:0pt;padding-right:6pt;padding-top:4pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:48.65%;">Crediting Method / Indexes
                  </td>
                  <td style="line-height:0pt;padding-bottom:2.5pt;padding-right:6pt;padding-top:4pt;text-align:center;vertical-align:top;width:2.00%;">&#160;
                  </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:9pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-bottom:2.5pt;padding-left:6pt;padding-top:4pt;text-align:center; text-decoration:none;text-transform:none;vertical-align:bottom;width:51.94%;">Availability Restrictions:
                  </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:9pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:2.5pt;padding-left:0pt;padding-right:6pt; padding-top:1.75pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:48.65%;">Index Protection NY Strategy
                  </td>
                  <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-bottom:2.5pt;padding-right:6pt;padding-top:1.75pt;text-align:left;vertical-align:top;width:2.00%;">&#160;
                  </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:9pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:2.5pt;padding-left:14pt;padding-top:1.75pt; text-align:left;text-decoration:none;text-indent:-8pt;text-transform:none;vertical-align:top;width:51.94%;">&#8211;&#8194;For Contracts with a number starting with AV this first became available to newly issued Contracts on August&#160;24, 2015.<br>
                    &#8211;&#8194;Not available to Contracts issued before August 24, 2015, or if the Contract has a number starting with GAZ.
                  </td>
                </tr>
                <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Arial Narrow;font-size:9pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:6pt;padding-left:0pt;padding-right:6pt;padding-top:1.75pt;text-align:left; text-decoration:none;text-transform:none;vertical-align:top;width:48.65%;">EURO STOXX 50<sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;">&#174;</sup>
                  </td>
                  <td style="line-height:0pt;padding-bottom:6pt;padding-right:6pt;padding-top:1.75pt;text-align:left;vertical-align:top;width:2.00%;">&#160;
                  </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:9pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:6pt;padding-left:14pt;padding-top:1.75pt;text-align:left;text-decoration:none; text-indent:-8pt;text-transform:none;vertical-align:top;width:51.94%;">&#8211;&#8194;For Contracts with a number starting with AV this first became available to newly issued Contracts on August&#160;24, 2015.<br>
                    &#8211;&#8194;Not available to Contracts issued before August 24, 2015, or if the Contract has a number starting with GAZ.
                  </td>
                </tr>

            </table>
          </div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;">If a Crediting Method or Index is not available,
            you cannot allocate to it unless we make it available to you on a future Index Anniversary.<font style="font-weight:Normal;"> Certain Crediting Methods and/or Indexes also may not be available from all selling firms or from all Financial
              Professionals. Please consult with your Financial Professional for more information.</font></div>
          <div style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:uppercase;">Automatic Performance Lock Availability
            Restrictions</div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;">Automatic Performance Locks are not available to
            Contracts issued before August 24, 2015, or that have a Contract number starting with GAZ.</div>
        </div>
        <div type="Block" style="margin-top:390pt;width:100%;">
          <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:0.5pt solid #000000;height:0.5pt;width:100%;">
          <div style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:11pt;margin-bottom:2pt;margin-top:2pt;text-align:center;text-decoration:none;text-transform:none;"> Allianz Index Advantage <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#174; </sup> New York Variable Annuity Prospectus &#8211; April 29, 2022 </div>
          <div style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:11pt;text-align:center;text-decoration:none;text-transform:none;">Appendix F</div>
        </div>
        <div type="Block" style="margin-top:3pt;width:100%;">
          <div style="color:#000000;font-family:Arial;font-size:9pt;font-style:Normal;font-weight:bold;line-height:12pt;text-align:center;text-decoration:none;text-transform:none;">&#160;107&#160;</div>
        </div>
      </div>
      <div style="clear:both;font-size:12pt;height:0pt;">
      </div>
      <hr style="margin-bottom:0pt;">
      <p style="margin:0pt;page-break-before:always;">&#160;
      </p>
      <div style="width:100%;">
        <a name="xx_cf3303a0-002a-42d1-b4aa-5e0414d74319_1">
        </a>
        <div style="font-family:Arial;font-size:7pt;line-height:10pt;font-weight:Normal;text-transform:none;text-align:left;vertical-align:bottom;padding-bottom:10pt;">
          <a href="#JOB_Index_3271f810-de27-47d4-9b4d-756928a3a1d0_va-toc">
            Table of Contents
          </a>
        </div>
        <div type="Block" style="width:100%;">
          <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:2pt solid #000000;height:2pt;width:100%;">
          <div style="color:#000000;font-family:Arial;font-size:11pt;font-style:Normal;font-weight:Normal;line-height:13pt;margin-top:5pt;text-align:left;text-decoration:none;text-transform:uppercase;"> Appendix G &#8211; Variable Options Available Under the
              Contract </div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:1pt;text-align:left;text-decoration:none;text-transform:none;"> The following includes information about the
              Variable Options. More information about the Variable Options is available in the Variable Options' prospectuses, which may be amended from time to time and can be found online at <font style="color:#0000FF;text-decoration:underline;"> allianzlife.com/new-york/variableoptions </font> .
              You can also request this information at no cost by calling (800) 624-0197, or by sending an email request to contact.us@allianzlife.com. </div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;"> The current expenses and performance
              information below reflects fees and expenses of the Variable Options, but do not reflect the other fees and expenses that your Contract may charge. Expenses would be higher and performance would be lower if these other charges were included.
              The Variable Options' past performance is not necessarily an indication of future performance. </div>
          <div style="text-align:left;">
            <table cellspacing="0" cellpadding="0" id="zee917912e07847c3b66c3f03775e15be" style="border-bottom:0.5pt solid #000000;border-collapse:collapse;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;margin-top:6pt;width:99.80%;">

                <tr style="page-break-inside:avoid;">
                  <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial;font-size:9pt;font-style:Normal;font-weight:bold;line-height:12pt;padding-bottom:2.25pt;padding-left:4pt; padding-right:4pt;padding-top:5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:30.43%;"> Investment Objectives
                    </td>
                  <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial;font-size:9pt;font-style:Normal;font-weight:bold;line-height:12pt;padding-bottom:2.25pt;padding-left:4pt; padding-right:4pt;padding-top:5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:26.98%;"> Variable Option and <br>

                      Adviser/Subadviser
                    </td>
                  <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial;font-size:9pt;font-style:Normal;font-weight:bold;line-height:12pt;padding-bottom:2.25pt;padding-left:4pt; padding-right:4pt;padding-top:5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:11.36%;"> Current <br>

                      Expenses
                    </td>
                  <td colspan="3" style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial;font-size:9pt;font-style:Normal;font-weight:bold;line-height:12pt;padding-bottom:2.25pt;padding-left:4pt;padding-right:4pt;padding-top:5pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:30.43%;"> Average Annual Total Returns <br>
                    <font style="font-weight:Normal;"> (as of December 31, 2021) </font>
                  </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial;font-size:9pt;font-style:Normal;font-weight:bold;line-height:12pt;padding-bottom:2.25pt;padding-left:4pt; padding-right:4pt;padding-top:2.25pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:10.14%;"> 1 Year
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial;font-size:9pt;font-style:Normal;font-weight:bold;line-height:12pt;padding-bottom:2.25pt;padding-left:4pt; padding-right:4pt;padding-top:2.25pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:10.14%;"> 5 Years
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial;font-size:9pt;font-style:Normal;font-weight:bold;line-height:12pt;padding-bottom:2.25pt;padding-left:4pt;padding-right:4pt;padding-top:2.25pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:10.14%;"> 10 Years
                    </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial;font-size:9pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:4pt;padding-right:4pt; padding-top:2.25pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:30.43%;"> Current income consistent with stability of principal
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial;font-size:9pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:4pt;padding-right:4pt; padding-top:2.25pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:26.98%;"> AZL <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#174; </sup> Government Money Market Fund <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> (1) </sup><br>
                    <font style="font-weight:Normal;"> &#8195; <br>
                    </font><font style="font-style:italic;font-weight:Normal;"> Adviser: Allianz Investment Management LLC <br>

                        Subadviser: BlackRock Advisors, LLC </font>
                  </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial;font-size:9pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:4pt;padding-right:4pt; padding-top:2.25pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:11.36%;"> 0.64%
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial;font-size:9pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:9.00pt;padding-right:4pt; padding-top:2.25pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:10.14%;"> 0.00%
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial;font-size:9pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:4pt;padding-right:4pt; padding-top:2.25pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:10.14%;"> 0.53%
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial;font-size:9pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:4pt;padding-right:4pt;padding-top:2.25pt;text-align:center; text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:10.14%;"> 0.27%
                    </td>
                </tr>
                <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial;font-size:9pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:4pt;padding-right:4pt; padding-top:2.25pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:30.43%;"> Long-term capital appreciation with preservation of capital as an important consideration
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial;font-size:9pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:4pt;padding-right:4pt; padding-top:2.25pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:26.98%;"> AZL <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#174; </sup> MVP Balanced Index Strategy Fund <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> (2) </sup><br>
                    <font style="font-weight:Normal;"> &#8195; <br>
                    </font><font style="font-style:italic;font-weight:Normal;"> Adviser: Allianz Investment Management LLC </font>
                  </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial;font-size:9pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:4pt;padding-right:4pt; padding-top:2.25pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:11.36%;"> 0.71%
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial;font-size:9pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:4pt;padding-right:4pt; padding-top:2.25pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:10.14%;"> 10.02%
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial;font-size:9pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:4pt;padding-right:4pt; padding-top:2.25pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:10.14%;"> 7.73%
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial;font-size:9pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:4pt;padding-right:4pt;padding-top:2.25pt;text-align:center; text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:10.14%;"> 7.20%
                    </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial;font-size:9pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-bottom:4pt;padding-left:4pt; padding-right:4pt;padding-top:2.25pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:30.43%;"> Long-term capital appreciation
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial;font-size:9pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:4pt;padding-left:4pt; padding-right:4pt;padding-top:2.25pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:26.98%;"> AZL <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#174; </sup> MVP Growth
                      Index Strategy Fund <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> (2) </sup><br>
                    <font style="font-weight:Normal;"> &#8195; <br>
                    </font><font style="font-style:italic;font-weight:Normal;"> Adviser: Allianz Investment Management LLC </font>
                  </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial;font-size:9pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-bottom:4pt;padding-left:4pt; padding-right:4pt;padding-top:2.25pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:11.36%;"> 0.68%
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial;font-size:9pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-bottom:4pt;padding-left:4pt; padding-right:4pt;padding-top:2.25pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:10.14%;"> 16.40%
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial;font-size:9pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-bottom:4pt;padding-left:4pt; padding-right:4pt;padding-top:2.25pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:10.14%;"> 9.77%
                    </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial;font-size:9pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-bottom:4pt;padding-left:4pt;padding-right:4pt;padding-top:2.25pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:10.14%;"> 9.23%
                    </td>
                </tr>

            </table>
          </div>
          <div style="text-align:left;">
            <table cellspacing="0" cellpadding="0" id="z690161b46ef443b6a5559f6e8e4d85a5" style="border-collapse:collapse;empty-cells:show;margin-top:9pt;width:100%;">

                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:3.24%;"> (1)
                    </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:96.76%;"> The AZL <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#174; </sup> Government Money Market Fund&#8217;s annual expenses reflect a temporary fee reduction. Please see the AZL <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#174; </sup> Government Money Market Fund&#8217;s prospectus for information regarding the expense reimbursement or fee waiver arrangement.
                    </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:3.24%;"> (2)
                    </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:96.76%;"> This Variable Option is managed in a way that is intended to minimize volatility of returns (referred to as a &#8220;managed volatility strategy&#8221;). Please see &#8220;Principal Risks &#8211; Managed Volatility Fund Risk&#8221; in the
                      prospectus and the Investment Option&#8217;s prospectus for more information.
                    </td>
                </tr>

            </table>
          </div>
        </div>
        <div type="Block" style="margin-top:268pt;width:100%;">
          <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:0.5pt solid #000000;height:0.5pt;width:100%;">
          <div style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:11pt;margin-bottom:2pt;margin-top:2pt;text-align:center;text-decoration:none;text-transform:none;"> Allianz Index Advantage <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#174; </sup> New York Variable Annuity Prospectus &#8211; April 29, 2022 </div>
          <div style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:11pt;text-align:center;text-decoration:none;text-transform:none;"> Appendix G </div>
        </div>
        <div type="Block" style="margin-top:3pt;width:100%;">
          <div style="color:#000000;font-family:Arial;font-size:9pt;font-style:Normal;font-weight:bold;line-height:12pt;text-align:center;text-decoration:none;text-transform:none;">&#160;108&#160;</div>
        </div>
      </div>
      <div style="clear:both;font-size:12pt;height:0pt;">
      </div>
      <hr style="margin-bottom:0pt;">
      <p style="margin:0pt;page-break-before:always;">&#160;
      </p>
      <div style="width:100%;">
        <a name="xx_f5a010e1-839e-4b4e-87d9-969ee15f0332_1">
        </a>
        <div style="font-family:Arial;font-size:7pt;line-height:10pt;font-weight:Normal;text-transform:none;text-align:left;vertical-align:bottom;padding-bottom:10pt;">
          <a href="#JOB_Index_3271f810-de27-47d4-9b4d-756928a3a1d0_va-toc">
            Table of Contents
          </a>
        </div>
        <div type="Block" style="width:100%;">
          <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:2pt solid #000000;height:2pt;width:100%;">
          <div style="color:#000000;font-family:Arial;font-size:11pt;font-style:Normal;font-weight:Normal;line-height:13pt;margin-top:5pt;padding-left:25.7334pt;text-align:left;text-decoration:none;text-indent:-25.7334pt; text-transform:uppercase;"> Appendix H &#8211; Selected Financial Data and Statutory Financial Statements </div>
          <div style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:uppercase;"> Management&#8217;s Discussion and Analysis of
              Financial Condition and Results of Operations (For the 12 month period ended December 31, 2021) </div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;"> The following discussion of our financial
              condition and results of operations should be read in conjunction with our statutory financial statements and notes to those statements included in this Appendix. The discussion and analysis in this Appendix includes certain forward-looking
              statements that are subject to risks, uncertainties and other factors, as described in &#8220;Risk Factors&#8221; and elsewhere in this prospectus, that could cause our actual growth, results of operations, performance, financial position and business
              prospects and opportunities in 2022 and beyond to differ materially from those expressed in, or implied by, those forward-looking statements. See &#8220;Forward-Looking Statements.&#8221; </div>
          <div style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:uppercase;">Statutory Financial Statements</div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-bottom:2pt;margin-top:2pt;text-align:left;text-decoration:none;text-transform:none;"> The statutory financial
              statements of Allianz Life Insurance Company of New York as of December 31, 2021 and 2020 and for each of the three years in the period ended December 31, 2021 included in this Appendix H have been so included in reliance on the report of
              PricewaterhouseCoopers LLP, an independent registered public accounting firm, given on the authority of said firm as experts in auditing and accounting. The principal business address of PricewaterhouseCoopers LLP is 45 South Seventh Street,
              Suite 3400, Minneapolis, MN. </div>
        </div>
        <div type="Block" style="margin-top:444pt;width:100%;">
          <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:0.5pt solid #000000;height:0.5pt;width:100%;">
          <div style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:11pt;margin-bottom:2pt;margin-top:2pt;text-align:center;text-decoration:none;text-transform:none;"> Allianz Index Advantage <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#174; </sup> New York Variable Annuity Prospectus &#8211; April 29, 2022 </div>
          <div style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:11pt;text-align:center;text-decoration:none;text-transform:none;"> Appendix H </div>
        </div>
        <div type="Block" style="margin-top:3pt;width:100%;">
          <div style="color:#000000;font-family:Arial;font-size:9pt;font-style:Normal;font-weight:bold;line-height:12pt;text-align:center;text-decoration:none;text-transform:none;">&#160;109&#160;</div>
        </div>
      </div>
      <div style="clear:both;font-size:12pt;height:0pt;">
      </div>
      <hr style="margin-bottom:0pt;">
      <p style="margin:0pt;page-break-before:always;">&#160;
      </p>
      <p style="page-break-before: always; font-family: 'Times New Roman',Times,serif; font-size: 10pt;"> </p>
      <div style="min-height:45pt;width:100%">
        <div style="text-align:center"><br>
          </div>
        <div style="text-align:center">
          <table id="z5869cfda15cd46178eaeab1af8b85a54" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%">

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

          </table>
        </div>
        <div><br>
          </div>
      </div>
      <div style="margin-top:6pt;text-align:justify"><br>
        </div>
      <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><br>
        </div>
      <div style="margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Item 11(f).</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Selected Financial Data</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">(dollars in thousands, unless otherwise stated)</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following table sets forth the Company&#8217;s selected historical
          financial data. The selected financial data has been derived from the Statutory Financial Statements included elsewhere in this prospectus, and should be read in conjunction with &#8220;Management&#8217;s Discussion and Analysis of Financial Condition and
          Results of Operations&#8221; and the Company&#8217;s audited Statutory Financial Statements. </font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">These historical results are not necessarily indicative of results
          to be expected for any future period.</font></div>
      <div style="margin-bottom:6pt;margin-top:11pt">
        <table id="ze0df1905c7124f67baa0b6058c48c70b" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.553%">

            <tr>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:31.784%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.547%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:11.605%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.547%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:11.456%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.547%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:11.605%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.547%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:11.605%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.547%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:11.610%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
            </tr>
            <tr>
              <td style="padding:0 1pt" colspan="3"><br>
              </td>
              <td style="padding:0 1pt" colspan="3"><br>
              </td>
              <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="27"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Year ended December&#160;31,</font></td>
            </tr>
            <tr>
              <td style="padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Selected income data</font></td>
              <td style="padding:0 1pt" colspan="3"><br>
              </td>
              <td style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2021</font></td>
              <td style="border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2020</font></td>
              <td style="border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2019</font></td>
              <td style="border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2018</font></td>
              <td style="border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2017</font></td>
            </tr>
            <tr>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Premium and annuity considerations*</font></td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">689,602&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">431,944&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">376,919&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">306,832&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">275,425&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Net investment income</font></td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">16,177&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">18,028&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">19,866&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">23,273&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">34,421&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Ceded reinsurance
                  reserve and expense adjustments</font></td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">578&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">291&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">181&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">201&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">211&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Fees from separate accounts</font></td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">66,792&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">66,045&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">68,960&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">72,602&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">74,868&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Other income</font></td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">24&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Total
                  income</font></td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">773,149&#160;</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">516,308&#160;</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">465,926&#160;</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">402,908&#160;</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">384,949&#160;</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Policyholder benefits
                  and surrenders</font></td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">281,533&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">244,532&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">255,885&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">246,712&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">240,015&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Change in aggregate reserves</font></td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(17,165)</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1,842&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2,503&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(35,379)</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">4,740&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">General and
                  administrative and commission</font></td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">78,354&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">56,875&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">52,630&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">43,506&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">41,569&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Net transfers to separate accounts</font></td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">358,538&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">186,015&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">134,980&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">107,721&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">60,857&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Total
                  benefits and other expenses</font></td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">701,260&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">489,264&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">445,998&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">362,560&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">347,181&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Income tax expense (benefit)</font></td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">6,319&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1,280&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(7,343)</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(292)</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">3,333&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Net realized capital
                  (loss) gain</font></td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(59,957)</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(41,220)</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(70,095)</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">7,217&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(39,732)</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="padding:2px 1pt 2px 19pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Net income (loss)</font></td>
              <td style="padding:0 1pt" colspan="3"><br>
              </td>
              <td style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
              <td style="border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">5,613&#160;</font></td>
              <td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="padding:0 1pt" colspan="3"><br>
              </td>
              <td style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(15,456)</font></td>
              <td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="padding:0 1pt" colspan="3"><br>
              </td>
              <td style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(42,824)</font></td>
              <td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="padding:0 1pt" colspan="3"><br>
              </td>
              <td style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">47,857&#160;</font></td>
              <td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="padding:0 1pt" colspan="3"><br>
              </td>
              <td style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(5,297)</font></td>
              <td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Capital and Surplus:</font></td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
            </tr>
            <tr>
              <td style="padding:2px 1pt 2px 10pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Change in unrealized capital gain
                  (loss)</font></td>
              <td style="padding:0 1pt" colspan="3"><br>
              </td>
              <td style="padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
              <td style="padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1,534&#160;</font></td>
              <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="padding:0 1pt" colspan="3"><br>
              </td>
              <td style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(1,845)</font></td>
              <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="padding:0 1pt" colspan="3"><br>
              </td>
              <td style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(8,937)</font></td>
              <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="padding:0 1pt" colspan="3"><br>
              </td>
              <td style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">18,410&#160;</font></td>
              <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="padding:0 1pt" colspan="3"><br>
              </td>
              <td style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(21,209)</font></td>
              <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Other change in
                  capital &amp; surplus</font></td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
              <td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(106)</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1,934&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(649)</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt 0 19pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(15,579)</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt 0 19pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(2,565)</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="padding:2px 1pt 2px 28pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Net change in capital &amp; surplus</font></td>
              <td style="padding:0 1pt" colspan="3"><br>
              </td>
              <td style="border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">7,041&#160;</font></td>
              <td style="border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="padding:0 1pt" colspan="3"><br>
              </td>
              <td style="border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(15,367)</font></td>
              <td style="border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="padding:0 1pt" colspan="3"><br>
              </td>
              <td style="border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(52,410)</font></td>
              <td style="border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="padding:0 1pt" colspan="3"><br>
              </td>
              <td style="border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">50,688&#160;</font></td>
              <td style="border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="padding:0 1pt" colspan="3"><br>
              </td>
              <td style="border-bottom:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(29,071)</font></td>
              <td style="border-bottom:1pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="33"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">*Includes premiums and
                  annuity and supplementary contract considerations.</font></td>
            </tr>

        </table>
      </div>
      <div style="margin-bottom:6pt;margin-top:6pt">
        <table id="zb1c2e88e68c340d7a3cf39e46a3a6e52" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.702%">

            <tr>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:35.467%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.546%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:10.840%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.546%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:10.840%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.546%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:10.840%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.546%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:10.840%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.546%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:10.843%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
            </tr>
            <tr>
              <td style="padding:0 1pt" colspan="3"><br>
              </td>
              <td style="padding:0 1pt" colspan="3"><br>
              </td>
              <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="27"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">As of December 31,</font></td>
            </tr>
            <tr>
              <td style="padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Selected balance sheet data</font></td>
              <td style="padding:0 1pt" colspan="3"><br>
              </td>
              <td style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2021</font></td>
              <td style="border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2020</font></td>
              <td style="border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2019</font></td>
              <td style="border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2018</font></td>
              <td style="border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2017</font></td>
            </tr>
            <tr>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Total cash and invested assets</font></td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">610,691&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">590,406&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">596,501&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">652,934&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">630,219&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Investment income due
                  and accrued</font></td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">4,480&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">4,744&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">4,921&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">5,270&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">7,101&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Other admitted assets</font></td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">9,085&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">8,604&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">12,922&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">4,246&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">7,048&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Separate account
                  assets</font></td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">4,447,304&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">3,773,866&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">3,232,062&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2,677,964&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2,752,080&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Total
                  admitted assets</font></td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">5,071,560&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">4,377,620&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">3,846,406&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">3,340,414&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">3,396,448&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Total policyholder
                  liabilities</font></td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">473,598&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">490,011&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">487,107&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">484,136&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">524,125&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Other liabilities</font></td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(12,352)</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(42,226)</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(44,099)</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(45,390)</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(52,815)</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Separate account
                  liabilities</font></td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">4,447,304&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">3,773,866&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">3,232,062&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2,677,964&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2,752,080&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Total
                  liabilities</font></td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">4,908,550&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">4,221,651&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">3,675,070&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">3,116,710&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">3,223,390&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Total
                  capital and surplus</font></td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">163,010&#160;</font></td>
              <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">155,969&#160;</font></td>
              <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">171,336&#160;</font></td>
              <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">223,746&#160;</font></td>
              <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">173,058&#160;</font></td>
              <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>

        </table>
      </div>
      <div style="margin-bottom:6pt;margin-top:1pt"><br>
        </div>
      <div style="margin-bottom:6pt;margin-top:6pt"><br>
        </div>
      <div style="height:63pt;position:relative;width:100%">
        <div style="bottom:0;position:absolute;width:100%">
          <div style="margin-bottom:3pt;margin-top:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:144%">Selected Financial Data and Management's Discussion and Analysis</font></div>
          <div style="margin-bottom:3pt;margin-top:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Page 1 of 14</font></div>
        </div>
      </div>
      <hr style="page-break-after:always">
      <div style="min-height:45pt;width:100%">
        <div><br>
          </div>
      </div>
      <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Item&#160;11(h).</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Management&#8217;s Discussion and Analysis of Financial Condition and
          Results of Operations</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following discussion and analysis provides an assessment by
          management of the Company&#8217;s financial condition as of December 31, 2021, compared with December&#160;31, 2020, and its results of operations for each of the three years ended December&#160;31, 2021, 2020, 2019, respectively. The information contained
          herein should be read in conjunction with the financial statements, notes, exhibits and schedules in the 2021 and 2020 Annual Statement and audited Statutory Financial Statements of the Company. Amounts are presented on a non-consolidated basis
          in accordance with Statutory Accounting Principles (SAP). </font></div>
      <div style="margin-bottom:6pt;margin-top:6pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Forward-looking Statements</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">This report reviews the Company&#8217;s financial condition and results of
          operations. Where appropriate, factors that may affect future financial performance are also identified and discussed. Certain statements made in this report include &#8220;forward-looking statements&#8221; within the meaning of the Private Securities
          Litigation Reform Act of 1995. Forward- looking statements include any statement that may predict, forecast, indicate or imply future results, performance or achievements instead of historical facts, and may contain words like &#8220;believe&#8221;,
          &#8220;expect&#8221;, &#8220;estimate&#8221;, &#8220;project&#8221;, &#8220;budget&#8221;, &#8220;forecast&#8221;, &#8220;anticipate&#8221;, &#8220;plan&#8221;, &#8220;will&#8221;, &#8220;shall&#8221;, &#8220;may&#8221;, and other words, phrases or expressions with similar meaning. Forward-looking statements are subject to risks and uncertainties. Readers are
          cautioned not to place undue reliance on forward-looking statements as a prediction of actual results. The Company undertakes no obligation to update publicly or revise any forward-looking statements.</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Company Overview</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company is a life insurance company domiciled in New York and is
          licensed to sell insurance products in six U.S. states and the District of Columbia. The Company primarily offers individual variable-indexed annuities which are sold through licensed registered representatives contracted with a broker/dealer.
          The Company also maintains a legacy portfolio of individual variable and fixed annuities, individual and group life policies, and individual and group accident and health policies, but does not actively issue new policies related to these
          products. </font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Allianz Life of New York is a wholly owned subsidiary of Allianz
          Life Insurance Company of North America (Allianz Life). Allianz Life is a wholly owned subsidiary of Allianz of America, Inc. (AZOA), which is a subsidiary of Allianz Europe, B.V.. Allianz Europe, B.V. is a wholly owned subsidiary of Allianz SE,
          the Company&#8217;s ultimate parent, which is incorporated in Munich, Germany.</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company has organized its principal operations into the
          following segments: Individual Annuities and Other.</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Individual Annuities</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Individual Annuities segment provides tax-deferred investment
          growth and lifetime income opportunities for our customers through fixed, fixed-indexed and variable-indexed. The &#8220;fixed&#8221; and &#8220;variable&#8221; classifications describe whether we or the contractholders bear the investment risk of the assets supporting
          the contract. Variable annuities allow the contractholder to make deposits into various investment options and also have unique product features that allow for guaranteed minimum income benefits, guaranteed minimum accumulation benefits,
          guaranteed minimum death benefits, and guaranteed minimum withdrawal benefits. The variable annuity products with guaranteed minimum benefits which provide a minimum return based on their initial deposit may be increased by additional deposits,
          bonus amounts, or other account crediting features. The income and accumulation benefits shift a portion of the investment risk from the contractholder back to the Company. The Company's variable annuity sales strategy has shifted to
          variable-indexed annuity products, which combines a separate account option with a general account option that is similar to a fixed-indexed annuity. Sales of the variable-indexed annuity have increased in recent years due to an industry shift
          from traditional variable products to hybrid annuities as well as the Allianz Index Advantage&#174;&#160;New York Variable Annuity product being very competitive. Our Individual Annuity products are sold through independent distribution channels made up of
          registered representatives contracted with a broker dealer. As previously noted, we discontinued selling variable and fixed annuity products and the block of business is in run-off, however, in-force volumes are material and thus reported within
          the Individual Annuities segment.</font></div>
      <div style="height:63pt;position:relative;width:100%">
        <div style="bottom:0;position:absolute;width:100%">
          <div style="margin-bottom:3pt;margin-top:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:144%">Selected Financial Data and Management's Discussion and Analysis</font></div>
          <div style="margin-bottom:3pt;margin-top:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Page 2 of 14</font></div>
        </div>
      </div>
      <hr style="page-break-after:always">
      <div style="min-height:45pt;width:100%">
        <div><br>
          </div>
      </div>
      <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Other</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Other segment consists of individual term life, which is not
          material enough to break out in a separate segment, as well as closed blocks of life, long-term care (LTC), and Special Markets products. The Special Markets products include individual and group annuity and life products, including whole and
          term life insurance. Although Other products are part of the combined results, the Company does not allocate additional resources to these areas other than to maintain the operational support to its current customers.</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Income and expense allocation</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">We maintain segregated investment portfolios at the subsidiary level
          but do not maintain segregated portfolios for each segment. All net investment income and other Corporate income and expense activity is allocated to the segments. Assets are only monitored at the total Company level, and as such, asset
          disclosures by segment are not included herein.</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Income and expense related to assets backing policyholder reserves
          are allocated to the segments based on policyholder statutory reserve levels. The results of our segments also reflect allocation of income and expense related to assets backing surplus. Income and expense related to assets backing surplus are
          allocated to the segments based on required capital levels for each segment.</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Basis of Presentation</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Statutory Financial Statements have been prepared in accordance
          with accounting practices prescribed or permitted by the New York State Department of Financial Services (the&#160;Department). The Department recognizes statutory accounting practices prescribed or permitted by the state of New York for determining
          and reporting the financial condition and results of operations of an insurance company and its solvency under New York insurance law. The state of New York has adopted the National Association of Insurance Commissioners (NAIC) </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Accounting Practices and Procedures Manual</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> as its prescribed basis of statutory accounting principles (SAP). The state of New York has also adopted certain prescribed accounting practices that differ from those found in
          NAIC SAP. The Company has no material statutory accounting practices that differ from those of the Department or NAIC SAP. These practices differ in some respects from accounting principles generally accepted in the United States of America (U.S.
          GAAP). The effects of these differences, while not quantified, are presumed to be material to the Statutory Financial Statements. </font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The preparation of Statutory Financial Statements in conformity with
          NAIC SAP requires management to make certain estimates and assumptions that affect reported amounts of admitted assets and liabilities, including reporting or disclosure of contingent assets and liabilities as of December&#160;31, 2021, and 2020 and
          the reported amounts of revenues and expenses during the reporting period. Future events, including changes in mortality, morbidity, interest rates, capital markets, and asset valuations could cause actual results to differ from the estimates
          used within the Statutory Financial Statements. Such changes in estimates are recorded in the period they are determined.</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Adoption of New Financial Accounting Standards </font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">See Note 3 &#8211; &#8220;Accounting Changes and Correction of Errors&#8221; of the
          Company&#8217;s audited Statutory Financial Statements in this prospectus for information related to recent accounting pronouncements. </font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Application of Critical Accounting Policies</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Our accounting policies require management to make interpretative
          and valuation judgments and to make estimates based upon assumptions that affect the amounts of assets, liabilities, revenues, and expenses reported in our Statutory Financial Statements. Because the use of assumptions and estimates inherently
          entails uncertainty, the effects of accounting policies under different conditions could produce results that are significantly different. A discussion of the presentation of the business factors that affect critical accounting policies can be
          found in Note 2 of the accompanying Statutory Financial Statements and are summarized below. </font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Accounting for Investments </font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Investment valuation and presentation are determined to be in
          accordance with methods prescribed by the NAIC. See Note 5 and 6 of the audited Statutory Financial Statements for additional information regarding the portfolio and fair value of investments.</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Aggregate Reserves for Life Policies and Annuity
          Contracts</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">See Notes 10 through 12 of the audited Statutory Financial
          Statements for additional information regarding our annuity and life actuarial reserves, deposit liabilities, and separate accounts.</font></div>
      <div style="height:63pt;position:relative;width:100%">
        <div style="bottom:0;position:absolute;width:100%">
          <div style="margin-bottom:3pt;margin-top:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:144%">Selected Financial Data and Management's Discussion and Analysis</font></div>
          <div style="margin-bottom:3pt;margin-top:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Page 3 of 14</font></div>
        </div>
      </div>
      <hr style="page-break-after:always">
      <div style="min-height:45pt;width:100%">
        <div><br>
          </div>
      </div>
      <div style="margin-bottom:6pt;margin-top:6pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Derivatives</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">See Notes 2 and 5 of the audited Statutory Financial Statements for
          additional information regarding our derivatives and hedging instruments.</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Reinsurance</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">See Note 9 of the audited Statutory Financial Statements for
          additional information regarding reinsurance agreements we have entered into to manage insurance risk as well as businesses we have exited.</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Income Taxes</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">See Note 7 of the audited Statutory Financial Statements for
          additional information regarding income tax estimates and assumptions.</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><br>
        </div>
      <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Individual Annuities and Other</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Based upon the significance of the Individual Annuities segment and
          its overall impact on the total results of operations, we only provided variance commentary at the total company level for the year ended December&#160;31, 2021 compared to 2020 and year ended December&#160;31, 2020, compared to 2019.</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Total Results of Operations</font></div>
      <div style="margin-bottom:6pt;margin-top:11pt">
        <table id="zbd716c6390a942099dc5d124f14455d2" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%">

            <tr>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:23.007%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:10.209%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.544%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:10.209%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.544%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:10.209%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.544%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:8.275%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.544%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:8.275%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.544%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:8.275%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.544%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:8.277%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
            </tr>
            <tr>
              <td style="padding:0 1pt" colspan="3"><br>
              </td>
              <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="15"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Year ended December&#160;31,</font></td>
              <td style="padding:0 1pt" colspan="3"><br>
              </td>
              <td style="border-bottom:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="9"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Increase
                  (decrease) and % change</font></td>
              <td style="padding:0 1pt" colspan="3"><br>
              </td>
              <td style="border-bottom:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="9"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Increase
                  (decrease) and % change</font></td>
            </tr>
            <tr>
              <td style="padding:0 1pt" colspan="3"><br>
              </td>
              <td style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">2021</font></td>
              <td style="border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">2020</font></td>
              <td style="border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">2019</font></td>
              <td style="padding:0 1pt" colspan="3"><br>
              </td>
              <td style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="9"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">2021 - 2020</font></td>
              <td style="padding:0 1pt" colspan="3"><br>
              </td>
              <td style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="9"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">2020 - 2019</font></td>
            </tr>
            <tr>
              <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Income:</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
              </td>
            </tr>
            <tr>
              <td style="padding:2px 1pt 2px 10pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Premium and annuity considerations*</font></td>
              <td style="padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td>
              <td style="padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">689,602&#160;</font></td>
              <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="padding:0 1pt" colspan="3"><br>
              </td>
              <td style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">431,944&#160;</font></td>
              <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="padding:0 1pt" colspan="3"><br>
              </td>
              <td style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">376,919&#160;</font></td>
              <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="padding:0 1pt" colspan="3"><br>
              </td>
              <td style="padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td>
              <td style="padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">257,658&#160;</font></td>
              <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="padding:0 1pt" colspan="3"><br>
              </td>
              <td style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">59.7&#160;</font></td>
              <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</font></td>
              <td style="padding:0 1pt" colspan="3"><br>
              </td>
              <td style="padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td>
              <td style="padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">55,025&#160;</font></td>
              <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="padding:0 1pt" colspan="3"><br>
              </td>
              <td style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">14.6&#160;</font></td>
              <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</font></td>
            </tr>
            <tr>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 10pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Net investment
                  income</font></td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">16,177&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">18,028&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">19,866&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(1,851)</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(10.3)</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(1,838)</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(9.3)</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="padding:2px 1pt 2px 10pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Ceded reinsurance reserve and expense
                  adjustments</font></td>
              <td style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">578&#160;</font></td>
              <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="padding:0 1pt" colspan="3"><br>
              </td>
              <td style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">291&#160;</font></td>
              <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="padding:0 1pt" colspan="3"><br>
              </td>
              <td style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">181&#160;</font></td>
              <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="padding:0 1pt" colspan="3"><br>
              </td>
              <td style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">287&#160;</font></td>
              <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="padding:0 1pt" colspan="3"><br>
              </td>
              <td style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">98.6&#160;</font></td>
              <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="padding:0 1pt" colspan="3"><br>
              </td>
              <td style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">110&#160;</font></td>
              <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="padding:0 1pt" colspan="3"><br>
              </td>
              <td style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">60.8&#160;</font></td>
              <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 10pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Fees from
                  separate accounts</font></td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">66,792&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">66,045&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">68,960&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">747&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1.1&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(2,915)</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(4.2)</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
            </tr>
            <tr>
              <td style="padding:2px 1pt 2px 21.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Total income</font></td>
              <td style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">773,149&#160;</font></td>
              <td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="padding:0 1pt" colspan="3"><br>
              </td>
              <td style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">516,308&#160;</font></td>
              <td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="padding:0 1pt" colspan="3"><br>
              </td>
              <td style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">465,926&#160;</font></td>
              <td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="padding:0 1pt" colspan="3"><br>
              </td>
              <td style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">256,841&#160;</font></td>
              <td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="padding:0 1pt" colspan="3"><br>
              </td>
              <td style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">49.7&#160;</font></td>
              <td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="padding:0 1pt" colspan="3"><br>
              </td>
              <td style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">50,382&#160;</font></td>
              <td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="padding:0 1pt" colspan="3"><br>
              </td>
              <td style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">10.8&#160;</font></td>
              <td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
                <div style="padding-left:9pt;text-indent:-9pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Benefits and other expenses:</font></div>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
            </tr>
            <tr>
              <td style="padding:2px 1pt 2px 10pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Policyholder benefits and surrenders</font></td>
              <td style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">281,533&#160;</font></td>
              <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="padding:0 1pt" colspan="3"><br>
              </td>
              <td style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">244,532&#160;</font></td>
              <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="padding:0 1pt" colspan="3"><br>
              </td>
              <td style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">255,885&#160;</font></td>
              <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="padding:0 1pt" colspan="3"><br>
              </td>
              <td style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">37,001&#160;</font></td>
              <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="padding:0 1pt" colspan="3"><br>
              </td>
              <td style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">15.1&#160;</font></td>
              <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="padding:0 1pt" colspan="3"><br>
              </td>
              <td style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(11,353)</font></td>
              <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="padding:0 1pt" colspan="3"><br>
              </td>
              <td style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(4.4)</font></td>
              <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 10pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Change in
                  aggregate reserves</font></td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(17,165)</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,842&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,503&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(19,007)</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(1,031.9)</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(661)</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(26.4)</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="padding:2px 1pt 2px 10pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">General and administrative and
                  commission</font></td>
              <td style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">78,354&#160;</font></td>
              <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="padding:0 1pt" colspan="3"><br>
              </td>
              <td style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">56,875&#160;</font></td>
              <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="padding:0 1pt" colspan="3"><br>
              </td>
              <td style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">52,630&#160;</font></td>
              <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="padding:0 1pt" colspan="3"><br>
              </td>
              <td style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">21,479&#160;</font></td>
              <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="padding:0 1pt" colspan="3"><br>
              </td>
              <td style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">37.8&#160;</font></td>
              <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="padding:0 1pt" colspan="3"><br>
              </td>
              <td style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">4,245&#160;</font></td>
              <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="padding:0 1pt" colspan="3"><br>
              </td>
              <td style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">8.1&#160;</font></td>
              <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 10pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Net transfers
                  to separate accounts</font></td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">358,538&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">186,015&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">134,980&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">172,523&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">92.7&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">51,035&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">37.8&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="padding:2px 1pt 2px 21.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Total benefits and other expenses</font></td>
              <td style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">701,260&#160;</font></td>
              <td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="padding:0 1pt" colspan="3"><br>
              </td>
              <td style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">489,264&#160;</font></td>
              <td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="padding:0 1pt" colspan="3"><br>
              </td>
              <td style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">445,998&#160;</font></td>
              <td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="padding:0 1pt" colspan="3"><br>
              </td>
              <td style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">211,996&#160;</font></td>
              <td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="padding:0 1pt" colspan="3"><br>
              </td>
              <td style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">43.3&#160;</font></td>
              <td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="padding:0 1pt" colspan="3"><br>
              </td>
              <td style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">43,266&#160;</font></td>
              <td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="padding:0 1pt" colspan="3"><br>
              </td>
              <td style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">9.7&#160;</font></td>
              <td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 21.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Pretax
                  income (loss)</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">71,889&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">27,044&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">19,928&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">44,845&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">165.8&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">7,116&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">35.7&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="padding:2px 1pt 2px 10pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Income tax expense (benefit)</font></td>
              <td style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">6,319&#160;</font></td>
              <td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="padding:0 1pt" colspan="3"><br>
              </td>
              <td style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,280&#160;</font></td>
              <td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="padding:0 1pt" colspan="3"><br>
              </td>
              <td style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(7,343)</font></td>
              <td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="padding:0 1pt" colspan="3"><br>
              </td>
              <td style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">5,039&#160;</font></td>
              <td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="padding:0 1pt" colspan="3"><br>
              </td>
              <td style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">393.7&#160;</font></td>
              <td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="padding:0 1pt" colspan="3"><br>
              </td>
              <td style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">8,623&#160;</font></td>
              <td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="padding:0 1pt" colspan="3"><br>
              </td>
              <td style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">117.4&#160;</font></td>
              <td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 10pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Net realized
                  capital (loss) gain</font></td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(59,957)</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(41,220)</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(70,095)</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(18,737)</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(45.5)</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">28,875&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">41.2&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="padding:2px 1pt 2px 28pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Net income (loss)</font></td>
              <td style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td>
              <td style="border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">5,613&#160;</font></td>
              <td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="padding:0 1pt" colspan="3"><br>
              </td>
              <td style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(15,456)</font></td>
              <td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="padding:0 1pt" colspan="3"><br>
              </td>
              <td style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(42,824)</font></td>
              <td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="padding:0 1pt" colspan="3"><br>
              </td>
              <td style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td>
              <td style="border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">21,069&#160;</font></td>
              <td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="padding:0 1pt" colspan="3"><br>
              </td>
              <td style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">136.3&#160;</font></td>
              <td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</font></td>
              <td style="padding:0 1pt" colspan="3"><br>
              </td>
              <td style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td>
              <td style="border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">27,368&#160;</font></td>
              <td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="padding:0 1pt" colspan="3"><br>
              </td>
              <td style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">63.9&#160;</font></td>
              <td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</font></td>
            </tr>
            <tr>
              <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Capital and Surplus:</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
              </td>
            </tr>
            <tr>
              <td style="padding:2px 1pt 2px 10pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Change in unrealized capital gain
                  (loss)</font></td>
              <td style="padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td>
              <td style="padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,534&#160;</font></td>
              <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="padding:0 1pt" colspan="3"><br>
              </td>
              <td style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(1,845)</font></td>
              <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="padding:0 1pt" colspan="3"><br>
              </td>
              <td style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(8,937)</font></td>
              <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="padding:0 1pt" colspan="3"><br>
              </td>
              <td style="padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td>
              <td style="padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3,379&#160;</font></td>
              <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="padding:0 1pt" colspan="3"><br>
              </td>
              <td style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">183.1&#160;</font></td>
              <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</font></td>
              <td style="padding:0 1pt" colspan="3"><br>
              </td>
              <td style="padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td>
              <td style="padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">7,092&#160;</font></td>
              <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="padding:0 1pt" colspan="3"><br>
              </td>
              <td style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">79.4&#160;</font></td>
              <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</font></td>
            </tr>
            <tr>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 10pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Other change
                  in capital &amp; surplus</font></td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(106)</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,934&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(649)</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(2,040)</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(105.5)</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,583&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">398.0&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="padding:2px 1pt 2px 28pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Net change in capital &amp; surplus</font></td>
              <td style="border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td>
              <td style="border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">7,041&#160;</font></td>
              <td style="border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="padding:0 1pt" colspan="3"><br>
              </td>
              <td style="border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(15,367)</font></td>
              <td style="border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="padding:0 1pt" colspan="3"><br>
              </td>
              <td style="border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(52,410)</font></td>
              <td style="border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="padding:0 1pt" colspan="3"><br>
              </td>
              <td style="border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td>
              <td style="border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">22,408&#160;</font></td>
              <td style="border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="padding:0 1pt" colspan="3"><br>
              </td>
              <td style="border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">145.8&#160;</font></td>
              <td style="border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</font></td>
              <td style="padding:0 1pt" colspan="3"><br>
              </td>
              <td style="border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td>
              <td style="border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">37,043&#160;</font></td>
              <td style="border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="padding:0 1pt" colspan="3"><br>
              </td>
              <td style="border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">70.7&#160;</font></td>
              <td style="border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</font></td>
            </tr>
            <tr>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 10pt;text-align:left;vertical-align:bottom" colspan="42"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">*Includes
                  premiums and annuity and supplementary contract considerations.</font></td>
            </tr>
            <tr style="height:12pt">
              <td style="padding:0 1pt 0 10pt" colspan="42"><br>
              </td>
            </tr>

        </table>
      </div>
      <div style="margin-bottom:6pt;margin-top:1pt"><br>
        </div>
      <div style="height:63pt;position:relative;width:100%">
        <div style="bottom:0;position:absolute;width:100%">
          <div style="margin-bottom:3pt;margin-top:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:144%">Selected Financial Data and Management's Discussion and Analysis</font></div>
          <div style="margin-bottom:3pt;margin-top:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Page 4 of 14</font></div>
        </div>
      </div>
      <hr style="page-break-after:always">
      <div style="min-height:45pt;width:100%">
        <div><br>
          </div>
      </div>
      <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Selected Operating Performance Measures</font></div>
      <div style="margin-bottom:6pt;margin-top:11pt">
        <table id="z052b6b358ff04511b0a44f0446978652" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%">

            <tr>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:20.477%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:9.465%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.544%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:9.465%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.544%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:9.465%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.544%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:9.465%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.544%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:9.465%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.544%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:9.465%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.544%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:9.469%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
            </tr>
            <tr>
              <td style="padding:0 1pt" colspan="3"><br>
              </td>
              <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="15"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Year ended December&#160;31,</font></td>
              <td style="padding:0 1pt" colspan="3"><br>
              </td>
              <td style="border-bottom:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="9"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Increase
                  (decrease) and % change</font></td>
              <td style="padding:0 1pt" colspan="3"><br>
              </td>
              <td style="border-bottom:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="9"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Increase
                  (decrease) and % change</font></td>
            </tr>
            <tr>
              <td style="padding:0 1pt" colspan="3"><br>
              </td>
              <td style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">2021</font></td>
              <td style="border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">2020</font></td>
              <td style="border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">2019</font></td>
              <td style="padding:0 1pt" colspan="3"><br>
              </td>
              <td style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="9"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">2021 - 2020</font></td>
              <td style="padding:0 1pt" colspan="3"><br>
              </td>
              <td style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="9"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">2020 - 2019</font></td>
            </tr>
            <tr>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 10pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Deposits and
                  gross premiums written:</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
              </td>
            </tr>
            <tr>
              <td style="padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Individual Annuities</font></td>
              <td style="padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td>
              <td style="padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">685,610&#160;</font></td>
              <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="padding:0 1pt" colspan="3"><br>
              </td>
              <td style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">425,561&#160;</font></td>
              <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="padding:0 1pt" colspan="3"><br>
              </td>
              <td style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">371,966&#160;</font></td>
              <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="padding:0 1pt" colspan="3"><br>
              </td>
              <td style="padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td>
              <td style="padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">260,049&#160;</font></td>
              <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="padding:0 1pt" colspan="3"><br>
              </td>
              <td style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">61.1&#160;</font></td>
              <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</font></td>
              <td style="padding:0 1pt" colspan="3"><br>
              </td>
              <td style="padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td>
              <td style="padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">53,595&#160;</font></td>
              <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="padding:0 1pt" colspan="3"><br>
              </td>
              <td style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">14.4&#160;</font></td>
              <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</font></td>
            </tr>
            <tr>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Other</font></td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">4,416&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">4,108&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">4,149&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">308&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">7.5&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(41)</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(1.0)</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="padding:2px 1pt 2px 30.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Total</font></td>
              <td style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td>
              <td style="border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">690,026&#160;</font></td>
              <td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="padding:0 1pt" colspan="3"><br>
              </td>
              <td style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">429,669&#160;</font></td>
              <td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="padding:0 1pt" colspan="3"><br>
              </td>
              <td style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">376,115&#160;</font></td>
              <td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="padding:0 1pt" colspan="3"><br>
              </td>
              <td style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td>
              <td style="border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">260,357&#160;</font></td>
              <td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="padding:0 1pt" colspan="3"><br>
              </td>
              <td style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">60.6&#160;</font></td>
              <td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</font></td>
              <td style="padding:0 1pt" colspan="3"><br>
              </td>
              <td style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td>
              <td style="border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">53,554&#160;</font></td>
              <td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="padding:0 1pt" colspan="3"><br>
              </td>
              <td style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">14.2&#160;</font></td>
              <td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</font></td>
            </tr>
            <tr>
              <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">In-force:</font></td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Individual
                  Annuities</font></td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td>
              <td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">4,797,886&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3,990,425&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3,613,848&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td>
              <td style="padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">807,461&#160;</font></td>
              <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="padding:0 1pt" colspan="3"><br>
              </td>
              <td style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">20.2&#160;</font></td>
              <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</font></td>
              <td style="padding:0 1pt" colspan="3"><br>
              </td>
              <td style="padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td>
              <td style="padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">376,577&#160;</font></td>
              <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="padding:0 1pt" colspan="3"><br>
              </td>
              <td style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">10.4&#160;</font></td>
              <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</font></td>
            </tr>
            <tr>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Other</font></td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">750,332&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">328,472&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">49,947&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">421,860&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">128.4&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">278,525&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">557.6&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 30.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Total</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">5,548,218&#160;</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">4,318,897&#160;</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3,663,795&#160;</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td>
              <td style="border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,229,321&#160;</font></td>
              <td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="padding:0 1pt" colspan="3"><br>
              </td>
              <td style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">28.5&#160;</font></td>
              <td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</font></td>
              <td style="padding:0 1pt" colspan="3"><br>
              </td>
              <td style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td>
              <td style="border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">655,102&#160;</font></td>
              <td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="padding:0 1pt" colspan="3"><br>
              </td>
              <td style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">17.9&#160;</font></td>
              <td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</font></td>
            </tr>

        </table>
      </div>
      <div style="margin-bottom:6pt;margin-top:1pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Deposits and in-force amounts in the table above are for direct
          business. Deposits reflect amounts collected on both new and renewal business. Individual Annuities in-force represents account values for our annuity contracts. Other products in-force represent gross life insurance within the life and Special
          Markets products. The deposits increased within Individual Annuities year over year as a result of the continued growth of variable-indexed annuity sales due to competitive product features. The increase of in-force in the Individual Annuities
          segment is primarily driven by growth of the variable-indexed annuity sales and equity market increases resulting in higher contractholder account values, partially offset by continued run-off of fixed and traditional variable annuities. Deposits
          and in-force within Other products increased due to the new term life policies which were initially marketed in 2020.</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Change in Key Market Factors</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Our Individual Annuities segment is impacted by various market
          impacts and movements which are summarized below:</font></div>
      <div style="margin-bottom:6pt;margin-top:11pt">
        <table id="z28df2ff799e544349c8eebea03965217" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.702%">

            <tr>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:26.810%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:12.780%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.546%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:12.631%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.546%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:12.780%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.546%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:12.631%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.546%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:12.784%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
            </tr>
            <tr>
              <td style="padding:0 1pt" colspan="3"><br>
              </td>
              <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="15"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Year ended December&#160;31,</font></td>
              <td style="padding:0 1pt" colspan="3"><br>
              </td>
              <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="9"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">% change</font></td>
            </tr>
            <tr>
              <td style="padding:0 1pt" colspan="3"><br>
              </td>
              <td style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2021</font></td>
              <td style="padding:0 1pt" colspan="3"><br>
              </td>
              <td style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2020</font></td>
              <td style="padding:0 1pt" colspan="3"><br>
              </td>
              <td style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2019</font></td>
              <td style="padding:0 1pt" colspan="3"><br>
              </td>
              <td style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2021 - 2020</font></td>
              <td style="border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2020 - 2019</font></td>
            </tr>
            <tr>
              <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Stock Index</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">S&amp;P 500</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">26.89%</font></td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">16.26%</font></td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">28.88%</font></td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">10.63%</font></td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(12.62)%</font></td>
            </tr>
            <tr>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">NASDAQ 100</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">26.63%</font></td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">47.58%</font></td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">37.96%</font></td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(20.95)%</font></td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">9.62%</font></td>
            </tr>

        </table>
      </div>
      <div style="margin-bottom:6pt;margin-top:6pt">
        <table id="z63ef13b0f8fc4249906c74d31693d0e9" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.702%">

            <tr>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:26.810%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:12.780%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.546%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:12.631%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.546%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:12.780%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.546%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:12.631%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.546%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:12.784%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
            </tr>
            <tr>
              <td style="padding:0 1pt" colspan="3"><br>
              </td>
              <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="15"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Year ended December&#160;31,</font></td>
              <td style="padding:0 1pt" colspan="3"><br>
              </td>
              <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="9"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Basis&#160;point&#160;(bps)&#160;change</font></td>
            </tr>
            <tr>
              <td style="padding:0 1pt" colspan="3"><br>
              </td>
              <td style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2021</font></td>
              <td style="border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2020</font></td>
              <td style="border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2019</font></td>
              <td style="padding:0 1pt" colspan="3"><br>
              </td>
              <td style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2021 - 2020</font></td>
              <td style="border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2020 - 2019</font></td>
            </tr>
            <tr>
              <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Interest Rates</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Swap rate - 10
                  year</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1.58%</font></td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">0.93%</font></td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1.90%</font></td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">65 bps</font></td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(97) bps</font></td>
            </tr>
            <tr>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Swap rate - 20
                  year</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1.76%</font></td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1.32%</font></td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2.07%</font></td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">44 bps</font></td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(75) bps</font></td>
            </tr>

        </table>
      </div>
      <div style="margin-bottom:6pt;margin-top:1pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Year Ended December&#160;31, 2021</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Compared
          to</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Year Ended December&#160;31, 2020 </font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Overview</font></div>
      <div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">The change in capital and surplus was favorable in 2021 due to increased variable-indexed annuity premiums and decreases in
          aggregate reserves primarily in the Individual Annuities segment due to increases in equity markets and interest rates. This was partially offset by an increase in net transfers to the separate accounts and commissions which are both reflective
          of the increase in premiums, unfavorable hedging impacts, an increase in variable annuity policyholder benefits and surre</font><font style="color:#333333;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">nders,
          and an increase in income tax expenses year-over-year</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">. </font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Income</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:18pt;text-align:justify;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">&#8226;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%;padding-left:14.5pt">Premium and annuity considerations</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">: </font><font style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Premium and annuity
          considerations increased primarily due to the continued growth of the variable-indexed annuity product which was impacted by competitive product features in the Individual Annuities segment. </font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:18pt;text-align:justify;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">&#8226;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%;padding-left:14.5pt">Net investment income:</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> </font><font style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Net investment income
          decreased primarily due to a decrease in average invested assets backing general account policyholder liabilities as a result of the continued run-off of the Company's fixed annuity block of business. Assets supporting the general account
          products decreased despite increased premiums because the significant products are in the separate account.</font></div>
      <div style="height:63pt;position:relative;width:100%">
        <div style="bottom:0;position:absolute;width:100%">
          <div style="margin-bottom:3pt;margin-top:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:144%">Selected Financial Data and Management's Discussion and Analysis</font></div>
          <div style="margin-bottom:3pt;margin-top:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Page 5 of 14</font></div>
        </div>
      </div>
      <hr style="page-break-after:always">
      <div style="min-height:45pt;width:100%">
        <div><br>
          </div>
      </div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:18pt;text-align:justify;text-indent:-18pt"><font style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">&#8226;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%;padding-left:14.5pt">Ceded reinsurance reserve and expense adjustments: </font><font style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%"> </font><font style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Ceded
          reinsurance reserve and expense adjustments increased primarily due to the ceded expense allowance on the term life product.</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:18pt;text-align:justify;text-indent:-18pt"><font style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">&#8226;</font><font style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%;padding-left:14.5pt">Fees from separate accounts</font><font style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">: Fees from separate accounts increased slightly, primarily due to higher M&amp;E from the effects of positive equity markets in 2021, which resulted in higher average traditional
          variable annuity separate account assets in 2021, despite surrenders increasing as well. The increase was partially offset by lower benefit rider income.</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Benefits and Other Expenses</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:18pt;text-align:justify;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">&#8226;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%;padding-left:14.5pt">Policyholder benefits and surrenders</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">: </font><font style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Policyholder benefits and
          surrenders increased primarily due to an increase in variable surrenders, partially offset by fixed death claims and surrenders driven by policyholder activity.</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:18pt;text-align:justify;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">&#8226;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%;padding-left:14.5pt">Change in aggregate reserves:</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> </font><font style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Change in aggregate reserves
          was driven by VM 21 reserve decreases due to equity market impacts and interest rate movements impacting the variable annuity line of business and fixed annuity reserve decreases due to the continued run-off of the closed block of business. This
          is partially offset by additional asset adequacy reserves the variable line of business.</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:18pt;text-align:justify;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">&#8226;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%;padding-left:14.5pt">General and administrative and commission:</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> </font><font style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">General and
          administrative and commission increased primarily due to higher variable indexed-annuity commissions as a result of an increase in production. </font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:18pt;text-align:justify;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">&#8226;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%;padding-left:14.5pt">Net transfers to separate accounts:</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> Net transfers to separate accounts increase is driven by new premium and policyholder withdrawals, and increased due to higher separate account premium. </font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:18pt;text-align:justify;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">&#8226;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%;padding-left:14.5pt">Income tax expense (benefit)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">: </font><font style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> Income tax expense
          increased driven by pre-tax income and hedging impacts.</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:18pt;text-align:justify;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">&#8226;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%;padding-left:14.5pt">Net realized capital (loss) gain:</font><font style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> Net realized capital losses are driven by derivatives hedging guarantees in our Individual Annuities segment.
        </font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Capital and Surplus</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:18pt;text-align:justify;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">&#8226;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%;padding-left:14.5pt">Change in unrealized capital (loss) gain: </font><font style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Unrealized capital gains are primarily due to derivatives hedging guarantees in our Individual Annuities
          segment due to positive equity markets.</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:18pt;text-align:justify;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">&#8226;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%;padding-left:14.5pt">Other change in capital and surplus: </font><font style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Other change in capital and surplus decrease was driven by an increase in the asset valuation reserve. </font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Year Ended December&#160;31, 2020 Compared to Year Ended December&#160;31,
          2019 </font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Overview</font></div>
      <div style="margin-top:6pt;padding-left:2.25pt;text-align:justify"><font style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The change in capital and surplus was
          unfavorable in 2020, but lower than 2019 due to hedging impacts as a result of equity market increases. Capital and surplus was also unfavorably impacted in 2020 by increases in asset adequacy reserves in the Individual Annuities segment and by a
          Premium Deficiency Reserves (PDR) related to LTC in the Other segment. Also impacting capital in surplus was a higher income tax expense compared to the prior year. </font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Income</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:18pt;text-align:justify;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">&#8226;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%;padding-left:14.5pt">Premium and annuity considerations</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">: </font><font style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Premium and annuity
          considerations increased primarily due to the continued growth of the variable-indexed annuity product which was impacted by competitive product features and a stronger sales focus compared to traditional variable annuity products in the
          Individual Annuities segment. </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> </font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:18pt;text-align:justify;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">&#8226;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%;padding-left:14.5pt">Net investment income:</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> </font><font style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Net investment income
          decreased primarily due to a decrease in average invested assets backing general account policyholder liabilities as a result of the continued run-off of the Company's fixed annuity block of business. Assets supporting the general account
          decreased despite increased premiums because the significant products are in separate account.</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:18pt;text-align:justify;text-indent:-18pt"><font style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">&#8226;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%;padding-left:14.5pt">Ceded reinsurance reserve and expense adjustments: </font><font style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Ceded reinsurance reserve and expense adjustments increased primarily due to the ceded expense allowance on the term life product.</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:18pt;text-align:justify;text-indent:-18pt"><font style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">&#8226;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%;padding-left:14.5pt">Fees from separate accounts</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">: </font><font style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Fees from separate accounts
          decreased primarily due to lower M&amp;E and benefit rider income from the effects of negative equity markets in early 2020, which resulted in lower average traditional variable annuity separate account assets in 2020. The decrease was partially
          offset by lower variable annuity surrenders.</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Benefits and Other Expenses</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:18pt;text-align:justify;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">&#8226;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%;padding-left:14.5pt">Policyholder benefits and surrenders</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">: </font><font style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Policyholder benefits and
          surrenders decreased primarily due to a decrease in variable and fixed surrender benefits driven by policyholder activity.</font></div>
      <div style="height:63pt;position:relative;width:100%">
        <div style="bottom:0;position:absolute;width:100%">
          <div style="margin-bottom:3pt;margin-top:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:144%">Selected Financial Data and Management's Discussion and Analysis</font></div>
          <div style="margin-bottom:3pt;margin-top:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Page 6 of 14</font></div>
        </div>
      </div>
      <hr style="page-break-after:always">
      <div style="min-height:45pt;width:100%">
        <div><br>
          </div>
      </div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:18pt;text-align:justify;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">&#8226;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%;padding-left:14.5pt">Change in aggregate reserves:</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> </font><font style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Change in aggregate reserves
          was driven by higher variable-indexed premium and annuity considerations and additional asset adequacy reserves that were established for both the variable and fixed annuity lines of business as a result of annual cash flow testing. This is
          partially offset by fixed annuity reserve decreases due to the continued run-off of the closed block of business.</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:18pt;text-align:justify;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">&#8226;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%;padding-left:14.5pt">General and administrative and commission:</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> </font><font style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">General and
          administrative and commission increased primarily due to higher variable indexed-annuity commissions as a result of an increase in production.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> </font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:18pt;text-align:justify;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">&#8226;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%;padding-left:14.5pt">Net transfers to separate accounts: </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Net transfers to separate accounts increase is driven by new premium and policyholder withdrawals, and increased due to higher separate account premium. </font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:18pt;text-align:justify;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">&#8226;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%;padding-left:14.5pt">Income tax expense (benefit)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">: </font><font style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The pre-tax income expense
          in 2020 as compared to the pre-tax benefit in 2019 was driven by pre-tax income and hedging impacts.</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:18pt;text-align:justify;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">&#8226;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%;padding-left:14.5pt">Net realized capital gain (loss): </font><font style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Net realized capital losses are driven by fewer losses on derivatives hedging guarantees in our Individual
          Annuities segment due to less positive equity markets. </font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Capital and Surplus</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:18pt;text-align:justify;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">&#8226;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%;padding-left:14.5pt">Change in unrealized capital gain (loss):</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> </font><font style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Unrealized capital losses
          are primarily due to losses on derivatives hedging guarantees in our Individual Annuities segment due to positive equity markets.</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:18pt;text-align:justify;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">&#8226;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%;padding-left:14.5pt">Other change in capital and surplus:</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> </font><font style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Other change in capital and
          surplus increase was driven by an increase in net deferred income taxes as a result of losses on derivatives hedging guarantees due to favorable equity market impacts. </font></div>
      <div style="height:63pt;position:relative;width:100%">
        <div style="bottom:0;position:absolute;width:100%">
          <div style="margin-bottom:3pt;margin-top:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:144%">Selected Financial Data and Management's Discussion and Analysis</font></div>
          <div style="margin-bottom:3pt;margin-top:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Page 7 of 14</font></div>
        </div>
      </div>
      <hr style="page-break-after:always">
      <div style="min-height:45pt;width:100%">
        <div><br>
          </div>
      </div>
      <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:144%">The following tables provide the results of operations for the
          Individual Annuities and Other segments:</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:144%">Individual Annuities</font></div>
      <div style="margin-bottom:7pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Segment Results of Operations</font></div>
      <div style="margin-bottom:7pt;margin-top:11pt">
        <table id="z9a09dc33f94f47be823903a33a696ac9" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.702%">

            <tr>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:22.780%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:10.243%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.546%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:10.243%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.546%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:10.243%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.546%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:8.302%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.546%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:8.302%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.546%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:8.302%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.546%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:8.309%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
            </tr>
            <tr>
              <td style="padding:0 1pt" colspan="3"><br>
              </td>
              <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="15"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Year ended December&#160;31,</font></td>
              <td style="padding:0 1pt" colspan="3"><br>
              </td>
              <td style="border-bottom:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="9"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Increase
                  (decrease) and % change</font></td>
              <td style="padding:0 1pt" colspan="3"><br>
              </td>
              <td style="border-bottom:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="9"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Increase
                  (decrease) and % change</font></td>
            </tr>
            <tr>
              <td style="padding:0 1pt" colspan="3"><br>
              </td>
              <td style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">2021</font></td>
              <td style="border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">2020</font></td>
              <td style="border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">2019</font></td>
              <td style="padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="9"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">2021 - 2020</font></td>
              <td style="padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="9"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">2020 - 2019</font></td>
            </tr>
            <tr>
              <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Income:</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
              </td>
            </tr>
            <tr>
              <td style="padding:2px 1pt 2px 10pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Premium and annuity considerations*</font></td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td>
              <td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">686,652&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">429,006&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">373,869&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td>
              <td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">257,646&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">60.1&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</font></td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td>
              <td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">55,137&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">14.7&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</font></td>
            </tr>
            <tr>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 10pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Net investment
                  income</font></td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">12,181&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">14,100&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">16,813&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(1,919)</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(13.6)</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(2,713)</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(16.1)</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
            </tr>
            <tr>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 10pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Fees from
                  separate accounts</font></td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">66,792&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">66,045&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">68,960&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">747&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1.1&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(2,915)</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(4.2)</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
            </tr>
            <tr>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 21.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Total
                  income</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">765,625&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">509,151&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">459,642&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">256,474&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">50.4&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">49,509&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">10.8&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 10pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Benefits and
                  other expenses:</font></td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 10pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Policyholder
                  benefits and surrenders</font></td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">279,788&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">241,717&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">254,424&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">38,071&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">15.8&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(12,707)</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(5.0)</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 10pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Change in
                  aggregate reserves</font></td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(25,127)</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(5,248)</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(16,098)</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(19,879)</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(378.8)</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">10,850&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">67.4&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 10pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">General and
                  administrative and commission</font></td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">76,484&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">55,706&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">51,799&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">20,778&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">37.3&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3,907&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">7.5&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 10pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Net transfers
                  to separate accounts</font></td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">358,538&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">186,015&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">134,980&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">172,523&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">92.7&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">51,035&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">37.8&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 21.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Total
                  benefits and other expenses</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">689,683&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">478,190&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">425,105&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">211,493&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">44.2&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">53,085&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">12.5&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 21.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Pretax
                  income (loss)</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">75,942&#160;</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">30,961&#160;</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">34,537&#160;</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">44,981&#160;</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">145.3&#160;</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(3,576)</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(10.4)</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 10pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Income tax
                  expense (benefit)</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">6,675&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,465&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(12,727)</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">5,210&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">355.6&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</font></td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">14,192&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">111.5&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</font></td>
            </tr>
            <tr>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 10pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Net realized
                  capital (loss) gain</font></td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(59,965)</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(41,117)</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(70,099)</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(18,848)</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(45.8)</font></td>
              <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">28,982&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">41.3&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 28pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Net income
                  (loss)</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">9,302&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(11,621)</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(22,835)</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">20,923&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">180.0&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</font></td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">11,214&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">49.1&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</font></td>
            </tr>
            <tr>
              <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Capital and Surplus:</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 10pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Change in
                  unrealized capital gain (loss)</font></td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td>
              <td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,627&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(1,873)</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(9,089)</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td>
              <td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3,500&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">186.9&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</font></td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td>
              <td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">7,216&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">79.4&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</font></td>
            </tr>
            <tr>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 10pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Other change
                  in capital &amp; surplus</font></td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(88)</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,697&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(629)</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(1,785)</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(105.2)</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,326&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">369.8&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 21.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Net change
                  in capital &amp; surplus</font></td>
              <td style="background-color:#cceeff;border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td>
              <td style="background-color:#cceeff;border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">10,841&#160;</font></td>
              <td style="background-color:#cceeff;border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td>
              <td style="background-color:#cceeff;border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(11,797)</font></td>
              <td style="background-color:#cceeff;border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td>
              <td style="background-color:#cceeff;border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(32,553)</font></td>
              <td style="background-color:#cceeff;border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td>
              <td style="background-color:#cceeff;border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">22,638&#160;</font></td>
              <td style="background-color:#cceeff;border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">191.9&#160;</font></td>
              <td style="background-color:#cceeff;border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</font></td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td>
              <td style="background-color:#cceeff;border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">20,756&#160;</font></td>
              <td style="background-color:#cceeff;border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">63.8&#160;</font></td>
              <td style="background-color:#cceeff;border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</font></td>
            </tr>
            <tr>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 10pt;text-align:left;vertical-align:bottom" colspan="42"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">*Includes
                  premiums and annuity and supplementary contract considerations.</font></td>
            </tr>
            <tr style="height:12pt">
              <td style="background-color:#cceeff;padding:0 1pt 0 10pt" colspan="42"><br>
              </td>
            </tr>

        </table>
      </div>
      <div style="height:63pt;position:relative;width:100%">
        <div style="bottom:0;position:absolute;width:100%">
          <div style="margin-bottom:3pt;margin-top:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:144%">Selected Financial Data and Management's Discussion and Analysis</font></div>
          <div style="margin-bottom:3pt;margin-top:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Page 8 of 14</font></div>
        </div>
      </div>
      <hr style="page-break-after:always">
      <div style="min-height:45pt;width:100%">
        <div><br>
          </div>
      </div>
      <div style="margin-bottom:6pt;margin-top:1pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:144%">Other</font></div>
      <div style="margin-bottom:7pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Segment Results of Operations</font></div>
      <div style="margin-bottom:6pt;margin-top:11pt">
        <table id="z391af157b5804604ac2602e513d02275" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.255%">

            <tr>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:23.937%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:10.144%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.549%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:10.144%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.549%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:10.144%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.549%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:7.895%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.549%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:8.045%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.549%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:8.045%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.549%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:8.352%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
            </tr>
            <tr>
              <td style="padding:0 1pt" colspan="3"><br>
              </td>
              <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="15"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Year ended December&#160;31,</font></td>
              <td style="padding:0 1pt" colspan="3"><br>
              </td>
              <td style="border-bottom:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="9"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Increase
                  (decrease) and % change</font></td>
              <td style="padding:0 1pt" colspan="3"><br>
              </td>
              <td style="border-bottom:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="9"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Increase
                  (decrease) and % change</font></td>
            </tr>
            <tr>
              <td style="padding:0 1pt" colspan="3"><br>
              </td>
              <td style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">2021</font></td>
              <td style="border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">2020</font></td>
              <td style="border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">2019</font></td>
              <td style="padding:0 1pt" colspan="3"><br>
              </td>
              <td style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="9"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">2021 - 2020</font></td>
              <td style="padding:0 1pt" colspan="3"><br>
              </td>
              <td style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="9"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">2020 - 2019</font></td>
            </tr>
            <tr>
              <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Income:</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
              </td>
            </tr>
            <tr>
              <td style="padding:2px 1pt 2px 10pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Premium and annuity considerations</font></td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td>
              <td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,950&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,938&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3,050&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td>
              <td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">12&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">0.4&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</font></td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td>
              <td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(112)</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(3.7)</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</font></td>
            </tr>
            <tr>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 10pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Net investment
                  income</font></td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3,996&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3,927&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3,053&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">69&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1.8&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">874&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">28.6&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="padding:2px 1pt 2px 10pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Ceded reinsurance reserve and expense
                  adjustments</font></td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">578&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">291&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">181&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">287&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">98.6&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">110&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">60.8&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
            </tr>
            <tr>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
            </tr>
            <tr>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 21.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Total
                  income</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">7,524&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">7,156&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">6,284&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">368&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">5.1&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">872&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">13.9&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="padding:2px 1pt 2px 10pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Benefits and other expenses:</font></td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 10pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Policyholder
                  benefits and surrenders</font></td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,745&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,815&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,462&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(1,070)</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(38.0)</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,353&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">92.5&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="padding:2px 1pt 2px 10pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Change in aggregate reserves</font></td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">7,962&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">7,090&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">18,601&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">872&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">12.3&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(11,511)</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(61.9)</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 10pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">General and
                  administrative and commission</font></td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,870&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,168&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">830&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">702&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">60.1&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">338&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">40.7&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
            </tr>
            <tr>
              <td style="padding:2px 1pt 2px 21.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Total benefits and other expenses</font></td>
              <td style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">11,577&#160;</font></td>
              <td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="padding:0 1pt" colspan="3"><br>
              </td>
              <td style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">11,073&#160;</font></td>
              <td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="padding:0 1pt" colspan="3"><br>
              </td>
              <td style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">20,893&#160;</font></td>
              <td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="padding:0 1pt" colspan="3"><br>
              </td>
              <td style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">504&#160;</font></td>
              <td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="padding:0 1pt" colspan="3"><br>
              </td>
              <td style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">4.6&#160;</font></td>
              <td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="padding:0 1pt" colspan="3"><br>
              </td>
              <td style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(9,820)</font></td>
              <td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="padding:0 1pt" colspan="3"><br>
              </td>
              <td style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(47.0)</font></td>
              <td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
                <div style="padding-left:20.25pt;text-indent:-9pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Pretax (loss) income</font></div>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(4,053)</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(3,917)</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(14,609)</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(136)</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(3.5)</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">10,692&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">73.2&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="padding:2px 1pt 2px 10pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Income tax expense (benefit)</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(356)</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(185)</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">5,384&#160;</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(171)</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(92.4)</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(5,569)</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(103.4)</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 10pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Net realized
                  capital gain (loss)</font></td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">8&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(103)</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">4&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">111&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">107.8&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(107)</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(2,675.0)</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="padding:2px 1pt 2px 28pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Net income (loss)</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(3,689)</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(3,835)</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(19,989)</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">146&#160;</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3.8&#160;</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</font></td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">16,154&#160;</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">80.8&#160;</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</font></td>
            </tr>
            <tr>
              <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Capital and Surplus:</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
              </td>
            </tr>
            <tr>
              <td style="padding:2px 1pt 2px 10pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Change in unrealized capital gain
                  (loss)</font></td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td>
              <td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(93)</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">28&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">152&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td>
              <td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(121)</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(432.1)</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</font></td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td>
              <td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(124)</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(81.6)</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</font></td>
            </tr>
            <tr>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 10pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Other change
                  in capital &amp; surplus</font></td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(18)</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">237&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(20)</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(255)</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(107.6)</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</font></td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">257&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,285.0&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="padding:2px 1pt 2px 21.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Net change in capital &amp; surplus</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(3,800)</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(3,570)</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(19,857)</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(230)</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(6.4)</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">16,287&#160;</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">82.0&#160;</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr style="height:20pt">
              <td style="padding:0 1pt 0 10pt" colspan="3"><br>
              </td>
              <td style="border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="padding:0 1pt" colspan="3"><br>
              </td>
              <td style="border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="padding:0 1pt" colspan="3"><br>
              </td>
              <td style="border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="padding:0 1pt" colspan="3"><br>
              </td>
              <td style="border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="padding:0 1pt" colspan="3"><br>
              </td>
              <td style="border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="padding:0 1pt" colspan="3"><br>
              </td>
              <td style="border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="padding:0 1pt" colspan="3"><br>
              </td>
              <td style="border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
              </td>
            </tr>

        </table>
      </div>
      <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Financial Condition</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Investment Strategy </font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Our investment strategy focuses on
          diversification by asset class. We seek to achieve economic diversification, while reducing overall credit and liquidity risks. We attempt to mitigate these credit and liquidity risks by adhering to investment policies that provide portfolio
          diversification on an asset class, creditor, and industry basis, and by complying with investment limitations governed by state insurance laws and regulations, as applicable. We also consider all relevant objective information available in
          estimating the cash flows related to structured securities. We actively monitor and manage exposures, and determine whether any securities are impaired. The aggregate credit risk taken in the investment portfolio is influenced by our risk/return
          preferences, the economic and credit environment, and the ability to manage this risk through liability portfolio management. We also have an asset-liability management strategy to align cash flows and duration of the investment portfolio with
          contractholder liability cash flows and duration.</font></div>
      <div style="height:63pt;position:relative;width:100%">
        <div style="bottom:0;position:absolute;width:100%">
          <div style="margin-bottom:3pt;margin-top:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:144%">Selected Financial Data and Management's Discussion and Analysis</font></div>
          <div style="margin-bottom:3pt;margin-top:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Page 9 of 14</font></div>
        </div>
      </div>
      <hr style="page-break-after:always">
      <div style="min-height:45pt;width:100%">
        <div><br>
          </div>
      </div>
      <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following table presents the investment portfolio at
          December&#160;31:</font></div>
      <div style="margin-bottom:6pt;margin-top:11pt">
        <table id="z8b1df397faaf44cabe6f1b19dfe69e4e" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.702%">

            <tr>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:41.138%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:12.780%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.546%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:12.780%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.546%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:12.780%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.546%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:12.784%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
            </tr>
            <tr>
              <td style="padding:0 1pt" colspan="3"><br>
              </td>
              <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="9"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2021</font></td>
              <td style="padding:0 1pt" colspan="3"><br>
              </td>
              <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="9"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2020</font></td>
            </tr>
            <tr>
              <td style="padding:0 1pt" colspan="3"><br>
              </td>
              <td style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Carrying Value</font></td>
              <td style="border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">% of total</font></td>
              <td style="padding:0 1pt" colspan="3"><br>
              </td>
              <td style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Carrying Value</font></td>
              <td style="border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">% of total</font></td>
            </tr>
            <tr>
              <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Bonds</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">580,114&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">95.0&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">%</font></td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">572,795&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">97.0&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">%</font></td>
            </tr>
            <tr>
              <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Cash and cash
                  equivalents</font></td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">29,047&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">4.8&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">16,637&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2.8&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Policy loans</font></td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">106&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">143&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Derivative assets</font></td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">700&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">0.1&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">341&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">0.1&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Receivables for
                  securities</font></td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">724&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">0.1&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">490&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">0.1&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 19pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Total cash
                  and invested assets</font></td>
              <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
              <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">610,691&#160;</font></td>
              <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">100.0&#160;</font></td>
              <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">%</font></td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
              <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">590,406&#160;</font></td>
              <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">100.0&#160;</font></td>
              <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">%</font></td>
            </tr>

        </table>
      </div>
      <div style="margin-bottom:6pt;margin-top:1pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Bonds</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Refer to Note 5 of the audited Statutory Financial Statements for
          information regarding the nature of our portfolio of bonds. The tables below set forth the NAIC Securities Valuation Office quality ratings for the Companies bond portfolio at December&#160;31, 2021 and 2020.</font></div>
      <div style="margin-bottom:6pt;margin-top:11pt">
        <table id="zcf5a2bab67124af88d98a11d75c893fe" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.702%">

            <tr>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:41.138%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:12.780%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.546%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:12.780%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.546%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:12.780%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.546%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:12.784%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
            </tr>
            <tr>
              <td style="padding:0 1pt" colspan="3"><br>
              </td>
              <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="21"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2021</font></td>
            </tr>
            <tr>
              <td style="padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">NAIC Classes</font></td>
              <td style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Fair Value</font></td>
              <td style="border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">% of Total</font></td>
              <td style="border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Amortized Cost</font></td>
              <td style="border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">% of Total</font></td>
            </tr>
            <tr>
              <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">366,499&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">59.4&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">%</font></td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">351,132&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">60.6&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">%</font></td>
            </tr>
            <tr>
              <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2</font></td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">241,412&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">39.2&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">221,262&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">38.1&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Investment
                  grade</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">607,911&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">98.6&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">572,394&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">98.7&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">3</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">8,016&#160;</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1.3&#160;</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">7,196&#160;</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1.2&#160;</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">4</font></td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">555&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">0.1&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">524&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">0.1&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">5</font></td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">6</font></td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Below
                  investment grade</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">8,571&#160;</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1.4&#160;</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">7,720&#160;</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1.3&#160;</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Total</font></td>
              <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
              <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">616,482&#160;</font></td>
              <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">100.0&#160;</font></td>
              <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">%</font></td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
              <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">580,114&#160;</font></td>
              <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">100.0&#160;</font></td>
              <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">%</font></td>
            </tr>

        </table>
      </div>
      <div style="margin-bottom:6pt;margin-top:6pt">
        <table id="z9f041a41c8754c318082f33de3777888" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.702%">

            <tr>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:41.138%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:12.780%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.546%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:12.780%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.546%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:12.780%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.546%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:12.784%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
            </tr>
            <tr>
              <td style="padding:0 1pt" colspan="3"><br>
              </td>
              <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="21"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2020</font></td>
            </tr>
            <tr>
              <td style="padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">NAIC Classes</font></td>
              <td style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Fair Value</font></td>
              <td style="border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">% of Total</font></td>
              <td style="border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Amortized Cost</font></td>
              <td style="border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">% of Total</font></td>
            </tr>
            <tr>
              <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">401,626&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">63.4&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">%</font></td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">370,754&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">64.7&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">%</font></td>
            </tr>
            <tr>
              <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2</font></td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">216,459&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">34.2&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">188,559&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">32.9&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Investment
                  grade</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">618,085&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">97.6&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">559,313&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">97.6&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">3</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">14,442&#160;</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2.3&#160;</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">12,955&#160;</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2.3&#160;</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">4</font></td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">580&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">0.1&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">527&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">0.1&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">5</font></td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">6</font></td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Below
                  investment grade</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">15,022&#160;</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2.4&#160;</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">13,482&#160;</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2.4&#160;</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Total</font></td>
              <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
              <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">633,107&#160;</font></td>
              <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">100.0&#160;</font></td>
              <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">%</font></td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
              <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">572,795&#160;</font></td>
              <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">100.0&#160;</font></td>
              <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">%</font></td>
            </tr>

        </table>
      </div>
      <div style="height:63pt;position:relative;width:100%">
        <div style="bottom:0;position:absolute;width:100%">
          <div style="margin-bottom:3pt;margin-top:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:144%">Selected Financial Data and Management's Discussion and Analysis</font></div>
          <div style="margin-bottom:3pt;margin-top:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Page 10 of 14</font></div>
        </div>
      </div>
      <hr style="page-break-after:always">
      <div style="min-height:45pt;width:100%">
        <div><br>
          </div>
      </div>
      <div style="margin-bottom:6pt;margin-top:1pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Commercial Mortgage-backed</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">and Asset-backed Securities </font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Commercial mortgage-backed securities (CMBS) represent pools of
          commercial mortgages that are broadly diversified across property types and geographical areas. The following table summarizes our exposure to CMBS holdings by NAIC classes and vintage year as of December&#160;31:</font></div>
      <div style="margin-bottom:6pt;margin-top:11pt">
        <table id="ze9e5865a63034342bea9d2aadc7b709a" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.851%">

            <tr>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:17.976%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:13.803%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.545%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:13.803%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.545%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:17.976%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:13.803%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.545%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:13.804%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
            </tr>
            <tr>
              <td style="padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-bottom:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="24"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2021</font></td>
            </tr>
            <tr>
              <td style="padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">NAIC Classes</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="9"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">% of total CMBS</font></td>
              <td style="border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="9"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Vintage</font></td>
            </tr>
            <tr>
              <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">83,279&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">100.0&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">%</font></td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2021</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">%</font></td>
            </tr>
            <tr>
              <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2</font></td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2020</font></td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2,464&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">3.0&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">3</font></td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2019</font></td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">3,750&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">4.5&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">4</font></td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2018</font></td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">8,093&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">9.7&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">5</font></td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2017 and prior</font></td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">68,972&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">82.8&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">6</font></td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
              <td style="border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">83,279&#160;</font></td>
              <td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="padding:0 1pt" colspan="3"><br>
              </td>
              <td style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">100.0&#160;</font></td>
              <td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">%</font></td>
            </tr>
            <tr>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
              <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">83,279&#160;</font></td>
              <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">100.0&#160;</font></td>
              <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">%</font></td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:3pt double #000000;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:3pt double #000000;padding:0 1pt" colspan="3"><br>
              </td>
            </tr>

        </table>
      </div>
      <div style="margin-bottom:6pt;margin-top:6pt">
        <table id="zf5569ea26ed04883be1d21addf8695fa" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.851%">

            <tr>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:17.976%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:13.803%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.545%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:13.803%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.545%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:17.976%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:13.803%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.545%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:13.804%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
            </tr>
            <tr>
              <td style="padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-bottom:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="24"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2020</font></td>
            </tr>
            <tr>
              <td style="padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">NAIC Classes</font></td>
              <td style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="9"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">% of total CMBS</font></td>
              <td style="border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="9"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Vintage</font></td>
            </tr>
            <tr>
              <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">90,119&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">100.0&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">%</font></td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2020</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2,472&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2.7&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">%</font></td>
            </tr>
            <tr>
              <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2</font></td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2019</font></td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">3,782&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">4.2&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">3</font></td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2018</font></td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">8,107&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">9.0&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">4</font></td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2017</font></td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">11,611&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">12.9&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">5</font></td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2016 and prior</font></td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">64,147&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">71.2&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">6</font></td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
              <td style="border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">90,119&#160;</font></td>
              <td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="padding:0 1pt" colspan="3"><br>
              </td>
              <td style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">100.0&#160;</font></td>
              <td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">%</font></td>
            </tr>
            <tr>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
              <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">90,119&#160;</font></td>
              <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">100.0&#160;</font></td>
              <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">%</font></td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:3pt double #000000;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:3pt double #000000;padding:0 1pt" colspan="3"><br>
              </td>
            </tr>

        </table>
      </div>
      <div style="margin-bottom:6pt;margin-top:1pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Asset backed security (ABS) holdings consist primarily of aircraft
          leases, credit card receivables and other asset-backed securities that meet specific criteria, such as credit quality, insurance requirements, or limits on these types of investments. </font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following table summarizes our exposure to other ABS holdings by
          NAIC classes and vintage year as of December&#160;31: </font></div>
      <div style="margin-bottom:6pt;margin-top:11pt">
        <table id="z52fc5e8787044a50bf32ca28b8bc2bd9" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.851%">

            <tr>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:17.976%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:13.803%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.545%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:13.803%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.545%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:17.976%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:13.803%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.545%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:13.804%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
            </tr>
            <tr>
              <td style="padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-bottom:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="24"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2021</font></td>
            </tr>
            <tr>
              <td style="padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">NAIC Classes</font></td>
              <td style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="9"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">% of total other
                  ABS</font></td>
              <td style="border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="9"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Vintage</font></td>
            </tr>
            <tr>
              <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2,881&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">100.0&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">%</font></td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2021</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2,800&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">97.2&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">%</font></td>
            </tr>
            <tr>
              <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2</font></td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2020</font></td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">3</font></td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2019</font></td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">4</font></td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2018</font></td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">5</font></td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2017 and prior</font></td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">81&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2.8&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">6</font></td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
              <td style="border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2,881&#160;</font></td>
              <td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="padding:0 1pt" colspan="3"><br>
              </td>
              <td style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">100.0&#160;</font></td>
              <td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">%</font></td>
            </tr>
            <tr>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
              <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2,881&#160;</font></td>
              <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">100.0&#160;</font></td>
              <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">%</font></td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:3pt double #000;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:3pt double #000;padding:0 1pt" colspan="3"><br>
              </td>
            </tr>

        </table>
      </div>
      <div style="margin-bottom:6pt;margin-top:6pt">
        <table id="z4f83499848624b58ad437c688eba3b59" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.851%">

            <tr>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:17.976%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:13.803%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.545%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:13.803%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.545%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:17.976%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:13.803%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.545%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:13.804%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
            </tr>
            <tr>
              <td style="padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-bottom:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="24"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2020</font></td>
            </tr>
            <tr>
              <td style="padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">NAIC Classes</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="9"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">% of total other ABS</font></td>
              <td style="border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="9"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Vintage</font></td>
            </tr>
            <tr>
              <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">142&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">100.0&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">%</font></td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2020</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">%</font></td>
            </tr>
            <tr>
              <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2</font></td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2019</font></td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">3</font></td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2018</font></td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">4</font></td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2017</font></td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">5</font></td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2016 and prior</font></td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">142&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">100.0&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">6</font></td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">142&#160;</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">100.0&#160;</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">%</font></td>
            </tr>
            <tr>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
              <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">142&#160;</font></td>
              <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">100.0&#160;</font></td>
              <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">%</font></td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:3pt double #000000;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:3pt double #000000;padding:0 1pt" colspan="3"><br>
              </td>
            </tr>

        </table>
      </div>
      <div style="height:63pt;position:relative;width:100%">
        <div style="bottom:0;position:absolute;width:100%">
          <div style="margin-bottom:3pt;margin-top:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:144%">Selected Financial Data and Management's Discussion and Analysis</font></div>
          <div style="margin-bottom:3pt;margin-top:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Page 11 of 14</font></div>
        </div>
      </div>
      <hr style="page-break-after:always">
      <div style="min-height:45pt;width:100%">
        <div><br>
          </div>
      </div>
      <div style="margin-bottom:6pt;margin-top:1pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Unrealized investment losses of bonds, for investment grade (NAIC
          classes 1-2) and below investment grade (NAIC classes 3-6) securities by duration are as follows at December&#160;31:</font></div>
      <div style="margin-bottom:6pt;margin-top:11pt">
        <table id="zcc4ac5b93a614738bd4005fd57708b17" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.702%">

            <tr>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:41.138%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:12.780%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.546%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:12.780%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.546%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:12.780%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.546%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:12.784%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
            </tr>
            <tr>
              <td style="padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="21"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2021</font></td>
            </tr>
            <tr>
              <td style="padding:0 1pt" colspan="3"><br>
              </td>
              <td style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Investment Grade</font></td>
              <td style="border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">% of Total</font></td>
              <td style="border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Below Investment
                  Grade</font></td>
              <td style="border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">% of Total</font></td>
            </tr>
            <tr>
              <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Twelve months or less
                  below fair value</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2,970&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">71.0&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">%</font></td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">9&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">0.2&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">%</font></td>
            </tr>
            <tr>
              <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">More than twelve
                  months below fair value</font></td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1,203&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">28.8&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 19pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Total </font></td>
              <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
              <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">4,173&#160;</font></td>
              <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">99.8&#160;</font></td>
              <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">%</font></td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
              <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">9&#160;</font></td>
              <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">0.2&#160;</font></td>
              <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">%</font></td>
            </tr>

        </table>
      </div>
      <div style="margin-bottom:6pt;margin-top:6pt">
        <table id="z8c8fd277e9f44d399b9abaf5aaef46f4" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.702%">

            <tr>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:41.138%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:12.780%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.546%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:12.780%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.546%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:12.780%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.546%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:12.784%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
            </tr>
            <tr>
              <td style="padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="21"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2020</font></td>
            </tr>
            <tr>
              <td style="padding:0 1pt" colspan="3"><br>
              </td>
              <td style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Investment Grade</font></td>
              <td style="border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">% of Total</font></td>
              <td style="border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Below Investment
                  Grade</font></td>
              <td style="border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">% of Total</font></td>
            </tr>
            <tr>
              <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Twelve months or less
                  below fair value</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">352&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">100.0&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">%</font></td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">%</font></td>
            </tr>
            <tr>
              <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">More than twelve
                  months below fair value</font></td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 19pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Total </font></td>
              <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
              <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">352&#160;</font></td>
              <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">100.0&#160;</font></td>
              <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">%</font></td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
              <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">%</font></td>
            </tr>

        </table>
      </div>
      <div style="margin-bottom:6pt;margin-top:1pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">See Note 5 of the audited Statutory Financial Statements for
          additional disclosures in regards to unrealized investment losses of bonds.</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Other-than-temporary impairments, by market sector, for impairments
          included in the Statements of Operations, were as follows at December&#160;31: </font></div>
      <div style="margin-bottom:6pt;margin-top:11pt">
        <table id="zab0fd3fa334541ea9a996a6932f097d6" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.702%">

            <tr>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:41.138%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:12.780%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.546%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:12.780%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.546%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:12.780%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.546%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:12.784%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
            </tr>
            <tr>
              <td style="padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="9"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2021</font></td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="9"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2020</font></td>
            </tr>
            <tr>
              <td style="padding:0 1pt" colspan="3"><br>
              </td>
              <td style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Impairment</font></td>
              <td style="border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">No. of
                  Securities</font></td>
              <td style="padding:0 1pt" colspan="3"><br>
              </td>
              <td style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Impairment</font></td>
              <td style="border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">No. of
                  Securities</font></td>
            </tr>
            <tr>
              <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Corporate securities</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1,484&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">4&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>

        </table>
      </div>
      <div style="margin-bottom:6pt;margin-top:1pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Refer to Note 6 of the audited Statutory Financial Statements for
          information regarding the fair value and fair value hierarchy level of our financial instruments.</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Liquidity and Capital Resources</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Overview</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company&#8217;s liquidity requirements are generally met through funds
          provided by investment income, receipt of insurance premiums, M&amp;E fees and benefit rider income, and maturities and sales of investments. </font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company does not utilize the capital markets as a source of
          capital. Should the need for capital arise, the Company may utilize its parent, Allianz Life, as an alternative source of funding. The Company has a line of credit agreement with its parent, Allianz Life, to provide liquidity to the Company, as
          needed. The Company&#8217;s borrowing capacity under the agreement is limited to 5% of the Company&#8217;s general account admitted assets as of the preceding year end. As of December&#160;31, 2021 and 2020, there are no amounts outstanding under the line of
          credit agreement. In addition, if capital infusions are deemed necessary, the Company obtains prior approval by the Department, as appropriate. </font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The primary uses of funds are policy benefits, commissions, other
          product-related acquisition costs, investment purchases, and operating expenses. The Company routinely reviews its sources and uses of funds in order to meet its ongoing obligations.</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Financial Ratings and Strength</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">We received the following financial strength ratings as of
          December&#160;31, 2021:</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:36pt;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">AM Best&#160;&#160;&#160;&#160;A+ (Superior)</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:36pt;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">S&amp;P&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;AA (Very Strong)</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The financial strength ratings are influenced by many factors
          including the operating and financial performance, asset quality, liquidity, asset/liability management, overall portfolio mix, financial leverage, and exposure to risks.</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><br>
        </div>
      <div style="height:63pt;position:relative;width:100%">
        <div style="bottom:0;position:absolute;width:100%">
          <div style="margin-bottom:3pt;margin-top:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:144%">Selected Financial Data and Management's Discussion and Analysis</font></div>
          <div style="margin-bottom:3pt;margin-top:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Page 12 of 14</font></div>
        </div>
      </div>
      <hr style="page-break-after:always">
      <div style="min-height:45pt;width:100%">
        <div><br>
          </div>
      </div>
      <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><br>
        </div>
      <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Cash Flows</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The cash flows of the Company for the years ended December&#160;31, 2021,
          2020, and 2019 are summarized in the condensed table below:</font><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:120%"> </font></div>
      <div style="margin-bottom:6pt;margin-top:11pt">
        <table id="z06a88a0869004ddc84ba4223cbf92ee4" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:98.660%">

            <tr>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:58.628%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.554%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:11.569%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.554%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:11.569%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.554%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:11.572%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
            </tr>
            <tr>
              <td style="padding:0 1pt" colspan="3"><br>
              </td>
              <td style="padding:0 1pt" colspan="3"><br>
              </td>
              <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="15"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Year ended December&#160;31,</font></td>
            </tr>
            <tr>
              <td style="padding:0 1pt" colspan="3"><br>
              </td>
              <td style="padding:0 1pt" colspan="3"><br>
              </td>
              <td style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2021</font></td>
              <td style="border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2020</font></td>
              <td style="border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2019</font></td>
            </tr>
            <tr>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Net cash provided by operating activities</font></td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">79,047&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">38,478&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">28,664&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Net cash used in
                  investing activities</font></td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(67,319)</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(61,112)</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(32,994)</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Net cash provided by
                  (used in) financing and miscellaneous activities</font></td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">682&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(1,742)</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(2,296)</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 21.25pt;text-align:left;text-indent:-9pt;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Net increase (decrease) in cash and cash equivalents</font></td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
              <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">12,410&#160;</font></td>
              <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(24,376)</font></td>
              <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(6,626)</font></td>
              <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>

        </table>
      </div>
      <div style="margin-bottom:6pt;margin-top:1pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">We have the funds necessary to meet capital requirements in the
          state of New York and to support our operations.</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The increase in net cash provided by
          operating activities in 2021 compared to 2020 is primarily due to an increase in premiums and other income. This was partially offset by an increase in surrenders and annuity benefits, an increase in commissions, lower net investment income, and
          an increase in income taxes paid. The increase in net cash provided by operating activities in 2020 compared to 2019 is primarily due to an increase in premiums and a decrease in income taxes paid. This was partially offset by an increase in
          surrenders and annuity benefits, an increase in commissions and lower net investment income. </font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The increase in cash flow used in investing
          activities in 2021 compared to 2020 was primarily driven by derivative cash impacts, partially offset by a net increase in bond purchases. The increase in cash flow used in investing activities in 2020 compared to 2019 was primarily driven by a
          net increase in bond purchases partially offset by derivative cash impacts. </font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The increase in cash provided by financing
          activities in 2021 compared to 2020 is primarily due to the change in payable from parent, and a decrease in cash used by other miscellaneous activities. The decrease in cash provided by financing activities in 2020 compared to 2019 is primarily
          due to the change in payable from parent mostly offset by other miscellaneous activities. </font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Risk-Based Capital</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">See Note 15 of the audited Statutory Financial Statements for
          information regarding the Risk-Based Capital (RBC). The Company's RBC ratio significantly exceeds required minimum thresholds as of December&#160;31, 2021 and 2020.</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Statutory Surplus and Dividends</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company is required to meet minimum statutory capital and
          surplus requirements. The Company&#8217;s statutory capital and surplus as of December&#160;31, 2021 and 2020 were in compliance with these requirements. The maximum amount of dividends that can be paid by New York insurance companies to stockholders
          without prior approval of the Department is subject to restrictions relating to statutory earned surplus, also known as unassigned funds. Unassigned funds are determined in accordance with the accounting procedures and practices governing
          preparation of the statutory annual statement. In accordance with New York statutes, the Company may declare and pay from its Unassigned surplus cash dividends of not more than the greater of 10% of its beginning-of-the year statutory surplus, or
          its net gain from operations of the insurer, not including realized gains, for the 12-month period ending the 31st day of the preceding year. Based on these restrictions, ordinary dividends of $16,301 can be paid in 2022 without the approval of
          the Department. The Company paid no dividends and received no capital contributions in 2021, 2020 or 2019.</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Commitments &amp; Contingencies</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">See Note 18 of the audited Statutory Financial Statements for
          information regarding commitments and contingencies</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company has contractual obligations in the form of Policyholder
          liabilities, see Notes 10 through 12 of the audited Statutory Financial Statements for additional information regarding our annuity and life actuarial reserves, deposit liabilities, and separate accounts. </font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Off-Balance Sheet Arrangements</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company does not have any off-balance sheet transactions,
          arrangements or other relationships that management believes would be reasonably likely to have a material effect on the Company&#8217;s liquidity or the requirements for capital resources.</font></div>
      <div style="height:63pt;position:relative;width:100%">
        <div style="bottom:0;position:absolute;width:100%">
          <div style="margin-bottom:3pt;margin-top:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:144%">Selected Financial Data and Management's Discussion and Analysis</font></div>
          <div style="margin-bottom:3pt;margin-top:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Page 13 of 14</font></div>
        </div>
      </div>
      <hr style="page-break-after:always">
      <div style="min-height:45pt;width:100%">
        <div><br>
          </div>
      </div>
      <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company utilizes exchange-traded futures to economically hedge
          certain product liabilities. Under this kind of transaction, the Company agrees to purchase a specified number of contracts and settles the variation margin with the counterparty on a daily basis in an amount equal to the change in the market
          value of the underlying contracts from the close of the previous trading day. The parties with whom the Company enters into the exchange-traded futures contracts are regulated futures commission&#8217;s merchants who are members of a trading exchange.</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company is exposed to credit-related losses in the event of
          non-performance by counterparties under the terms of the futures contracts. The Company minimizes counterparty credit risk by establishing relationships only with counterparties rated BBB+ and higher. Given the credit ratings of the
          counterparties with which the Company transacts, the Company does not expect any counterparties to fail to meet their obligations. The Company has also executed Credit Support Annex (CSA) agreements with all active counterparties and requires a
          CSA from all new counterparties added to the Company&#8217;s counterparty pool. The CSA agreements further limit the Company&#8217;s counterparty credit risk by requiring the counterparty to post collateral to a segregated custodial account based on the net
          exposure to the Company. </font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">As the Company&#8217;s futures transactions are executed through a
          regulated exchange, positions are marked-to-market and settled on a daily basis, and collateral is posted prior to execution of a transaction. The Company has minimal exposure to credit-related losses in the event of non-performance. The Company
          is required to post collateral for any futures, options and swap contracts that are executed. The amount of collateral required is determined by the exchange on which the contract is traded. Refer to Note 5 in the audited Statutory Financial
          Statements for additional information regarding derivative collateral posted. </font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Item&#160;11(j).</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Quantitative and Qualitative Disclosures about Market Risk</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Market risk is the risk of the loss of fair value resulting from
          adverse changes in market rates and prices, such as interest rates and equity prices. Market risk is directly influenced by the volatility and liquidity in the markets in which the related underlying financial instruments are traded. Reference
          Note 4 of the audited Statutory Financial Statements for additional details on how we mitigate our market exposure risk and our overall risk management practices. </font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Sensitivity Analysis</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">To assess the impact of changes in interest rate and equity markets,
          we perform sensitivity tests. Sensitivity tests measure the instantaneous impact of a single hypothetical interest rate or equity price change on our post-tax income, or fair value of an asset or liability, while holding all other rates or prices
          constant. To assess interest rate risk, we perform a sensitivity test which instantaneously shocks interest rates across all maturities by a hypothetical 50 basis points (bps). To assess equity risk, we perform a sensitivity test which
          instantaneously shocks all equity prices by a hypothetical 15%.</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Interest Rate Risk</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">One means of assessing exposure to interest rate changes is to
          measure the potential change in the statutory value of an asset due to a hypothetical change in interest rates of 50 bps across all maturities. We noted that under this model, with all other factors remaining constant, a 50 bps increase in
          interest rates would cause our post-tax income to increase by $6,997 as of December&#160;31, 2021.</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">We also examined the impact on after tax income due to a
          hypothetical decrease in interest rates of 50 bps across all maturities. Under this model, with all other factors being constant, we estimated that such a decline would cause our post-tax income to decrease by $11,619 as of December&#160;31, 2021.
          Note that the impacts referenced reflect the net of economic hedge impact and does not include economic impact related to our fixed-income investment portfolio or economic changes in reserve calculations.</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Equity Market Risk</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">One means of assessing exposure to changes in equity market prices
          is to estimate the potential changes in post-tax income from a hypothetical change in equity market prices of 15%. Under this model, with all other factors constant, we estimated that a decrease in equity market prices would cause our post-tax
          income to decrease by $8,091, while an increase in equity market prices would cause our post-tax income to decrease by $26,237 based on our equity exposure as of December&#160;31, 2021. Note that the impacts referenced reflect the net of economic
          hedge impact and does not include economic impact related to our fixed-income investment portfolio or economic changes in reserve calculations.</font></div>
      <div style="height:63pt;position:relative;width:100%">
        <div style="bottom:0;position:absolute;width:100%">
          <div style="margin-bottom:3pt;margin-top:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:144%">Selected Financial Data and Management's Discussion and Analysis</font></div>
          <div style="margin-bottom:3pt;margin-top:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Page 14 of 14</font></div>
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      </p>
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      <p style="page-break-before: always; font-family: 'Times New Roman',Times,serif; font-size: 10pt;"> </p>
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          </div>
      </div>
      <div style="margin-bottom:6pt;margin-top:6pt"><br>
        </div>
      <div style="margin-bottom:6pt;margin-top:237pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:14pt;font-weight:700;line-height:120%">ALLIANZ LIFE INSURANCE COMPANY OF NEW YORK</font></div>
      <div style="margin-bottom:6pt;margin-top:12pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:14pt;font-weight:400;line-height:120%">Statutory Financial Statements</font></div>
      <div style="margin-bottom:6pt;margin-top:12pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:14pt;font-weight:400;line-height:120%">December&#160;31, 2021 and 2020 </font></div>
      <div style="margin-bottom:6pt;margin-top:12pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:14pt;font-weight:400;line-height:120%">(With Report of Independent Auditors Thereon)</font></div>
      <div style="margin-bottom:6pt;margin-top:12pt;text-align:center"><br>
        </div>
      <div style="margin-bottom:10pt;margin-top:6pt;text-align:justify"><br>
        </div>
      <div style="height:58.5pt;position:relative;width:100%">
        <div style="bottom:0;position:absolute;width:100%">
          <div style="margin-bottom:6pt;margin-top:6pt"><br>
            </div>
        </div>
      </div>
      <hr style="page-break-after:always">
      <div style="min-height:72pt;width:100%">
        <div style="margin-bottom:6pt;margin-top:6pt"><br>
          </div>
      </div>
      <div><br>
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      <div style="text-align:center"><br>
        </div>
      <div><br>
        </div>
      <div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:115%">Report of Independent Auditors</font></div>
      <div><br>
        </div>
      <div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">To the Board of Directors of Allianz Life Insurance Company of New York</font></div>
      <div><br>
        </div>
      <div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:112%">Opinions</font></div>
      <div><br>
        </div>
      <div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">We have audited the accompanying statutory financial statements of Allianz Life Insurance Company of New York (the "Company"),
          which comprise the statutory statements of admitted assets, liabilities, and capital and surplus as of December 31, 2021 and 2020, and the related statutory statements of operations, of capital and surplus, and of cash flow for each of the three
          years in the period ended December 31, 2021, including the related notes (collectively referred to as the "financial statements").</font></div>
      <div><br>
        </div>
      <div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:112%">Unmodified Opinion on Statutory Basis of Accounting</font></div>
      <div><br>
        </div>
      <div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">In our opinion, the accompanying financial statements present fairly, in all material respects, the admitted assets, liabilities
          and capital and surplus of the Company as of December 31, 2021 and 2020, and the results of its operations and its cash flows for each of the three years in the period ended December 31, 2021, in accordance with the accounting practices
          prescribed or permitted by the New York State Department of Financial Services described in Note 2.</font></div>
      <div><br>
        </div>
      <div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:112%">Adverse Opinion on U.S. Generally Accepted Accounting Principles</font></div>
      <div><br>
        </div>
      <div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">In our opinion, because of the significance of the matter discussed in the Basis for Adverse Opinion on U.S. Generally Accepted
          Accounting Principles section of our report, the accompanying financial statements do not present fairly, in accordance with accounting principles generally accepted in the United States of America, the financial position of the Company as of
          December 31, 2021 and 2020, or the results of its operations or its cash flows for each of the three years in the period ended December 31, 2021.</font></div>
      <div><br>
        </div>
      <div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:112%">Basis for Opinions</font></div>
      <div><br>
        </div>
      <div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">We conducted our audit in accordance with auditing standards generally accepted in the United States of America (US GAAS). Our
          responsibilities under those standards are further described in the Auditors' Responsibilities for the Audit of the Financial Statements section of our report. We are required to be independent of the Company and to meet our other ethical
          responsibilities, in accordance with the relevant ethical requirements relating to our audit. We believe that the audit evidence we have obtained is sufficient and appropriate to provide a basis for our audit opinion.</font></div>
      <div><br>
        </div>
      <div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:112%">Basis for Adverse Opinion on U.S. Generally Accepted Accounting Principles</font></div>
      <div><br>
        </div>
      <div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">As described in Note 2 to the financial statements, the financial statements are prepared by the Company on the basis of the
          accounting practices prescribed or permitted by the New York State Department of Financial Services, which is a basis of accounting other than accounting principles generally accepted in the United States of America.</font></div>
      <div><br>
        </div>
      <div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">The effects on the financial statements of the variances between the statutory basis of accounting described in Note 2 and
          accounting principles generally accepted in the United States of America, although not reasonably determinable, are presumed to be material.</font></div>
      <div><br>
        </div>
      <div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:112%">Responsibilities of Management for the Financial Statements</font></div>
      <div><br>
        </div>
      <div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">Management is responsible for the preparation and fair presentation of the financial statements in accordance with the
          accounting practices prescribed or permitted by the New York State Department of Financial Services. Management is also responsible for the design, implementation, and maintenance of internal control relevant to the preparation and fair
          presentation of financial statements that are free from material misstatement, whether due to fraud or error.</font></div>
      <div><br>
        </div>
      <div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">In preparing the financial statements, management is required to evaluate whether there are conditions or events, considered in
          the aggregate, that raise substantial doubt about the Company's ability to continue as a going concern for one year after the date the financial statements are available to be issued.</font></div>
      <div><br>
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      <div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:112%">Auditors' Responsibilities for the Audit of the Financial Statements</font></div>
      <div><br>
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      <div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">Our objectives are to obtain reasonable assurance about whether the financial statements as a whole are free from material
          misstatement, whether due to fraud or error, and to issue an auditors' report that includes our opinion. Reasonable assurance is a high level of assurance but is not absolute assurance and therefore is not a guarantee that an audit conducted in
          accordance with US GAAS will always detect a material misstatement when it exists. The risk of not detecting a material misstatement resulting from fraud is higher than for one resulting from error, as fraud may involve collusion, forgery,
          intentional omissions, misrepresentations, or the override of internal control. Misstatements are considered material if there is a substantial likelihood that, individually or in the aggregate, they would influence the judgment made by a
          reasonable user based on the financial statements. </font></div>
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      <div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">In performing an audit in accordance with US GAAS, we:</font></div>
      <div><br>
        </div>
      <div style="padding-left:36pt;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">a.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%;padding-left:11.07pt">Exercise professional judgment and maintain professional skepticism throughout the audit.</font></div>
      <div style="padding-left:36pt;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">b.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%;padding-left:10.5pt">Identify and assess the risks of material misstatement of the financial statements, whether due to fraud or error, and design and perform audit procedures
          responsive to those risks. Such procedures include examining, on a test basis, evidence regarding the amounts and disclosures in the financial statements.</font></div>
      <div style="padding-left:36pt;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">c.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%;padding-left:11.07pt">Obtain an understanding of internal control relevant to the audit in order to design audit procedures that are appropriate in the circumstances, but not for
          the purpose of expressing an opinion on the effectiveness of the Company's internal control. Accordingly, no such opinion is expressed.</font></div>
      <div style="padding-left:36pt;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">d.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%;padding-left:10.5pt">Evaluate the appropriateness of accounting policies used and the reasonableness of significant accounting estimates made by management, as well as evaluate the
          overall presentation of the financial statements.</font></div>
      <div style="padding-left:36pt;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">e.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%;padding-left:11.07pt">Conclude whether, in our judgment, there are conditions or events, considered in the aggregate, that raise substantial doubt about the Company's ability to
          continue as a going concern for a reasonable period of time.</font></div>
      <div><br>
        </div>
      <div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">We are required to communicate with those charged with governance regarding, among other matters, the planned scope and timing
          of the audit, significant audit findings, and certain internal control-related matters that we identified during the audit.</font></div>
      <div><br>
        </div>
      <div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">/s/PricewaterhouseCoopers LLP</font></div>
      <div><br>
        </div>
      <div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">Minneapolis, Minnesota </font></div>
      <div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">April 4, 2022</font></div>
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        <div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%">ALLIANZ LIFE INSURANCE COMPANY OF NEW YORK</font></div>
        <div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">Statutory Statements of Admitted Assets, Liabilities, and Capital and Surplus</font></div>
        <div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">December&#160;31, 2021 and 2020</font></div>
        <div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">(Dollars in thousands, except share data)</font></div>
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              <td style="width:16.165%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
            </tr>
            <tr>
              <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Admitted Assets</font></td>
              <td style="padding:0 1pt" colspan="3"><br>
              </td>
              <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2021</font></td>
              <td style="padding:0 1pt" colspan="3"><br>
              </td>
              <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2020</font></td>
            </tr>
            <tr>
              <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Cash and invested
                  assets:</font></td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Bonds</font></td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
              <td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">580,114&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">572,795&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Cash and
                  cash equivalents</font></td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">29,047&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">16,637&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Policy
                  loans</font></td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">106&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">143&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Derivative
                  assets</font></td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">700&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">341&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Receivables
                  for securities</font></td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">724&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">490&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 25.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Total cash
                  and invested assets</font></td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">610,691&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">590,406&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Investment income due
                  and accrued</font></td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">4,480&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">4,744&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
            </tr>
            <tr>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
            </tr>
            <tr>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
            </tr>
            <tr>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
            </tr>
            <tr>
              <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Deferred tax asset,
                  net</font></td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">6,772&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">6,487&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
            </tr>
            <tr>
              <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Other assets</font></td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2,313&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2,117&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 25.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Admitted
                  assets, exclusive of separate account assets</font></td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">624,256&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">603,754&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Separate account
                  assets</font></td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">4,447,304&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">3,773,866&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 25.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Total
                  admitted assets</font></td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
              <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">5,071,560&#160;</font></td>
              <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">4,377,620&#160;</font></td>
              <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>

        </table>
      </div>
      <div style="margin-bottom:6pt;margin-top:6pt"><br>
        </div>
      <div style="height:54pt;position:relative;width:100%">
        <div style="bottom:0;position:absolute;width:100%">
          <div style="margin-bottom:6pt;margin-top:6pt;text-align:center">
            <table id="zd88cd9f472fc40bd9acf0ee3a073066c" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:96.929%">

                <tr>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:32.233%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:32.233%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:32.234%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                </tr>
                <tr>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
                    <div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">3 of 42</font></div>
                    <div><br>
                      </div>
                  </td>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                </tr>

            </table>
            <font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;</font></div>
        </div>
      </div>
      <hr style="page-break-after:always">
      <div style="min-height:108pt;width:100%">
        <div style="text-align:center"><br>
          </div>
        <div style="text-align:center"><br>
          </div>
        <div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%">ALLIANZ LIFE INSURANCE COMPANY OF NEW YORK</font></div>
        <div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">Statutory Statements of Admitted Assets, Liabilities, and Capital and Surplus</font></div>
        <div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">December&#160;31, 2021 and 2020</font></div>
        <div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">(Dollars in thousands, except share data)</font></div>
        <div style="margin-bottom:6pt;margin-top:6pt"><br>
          </div>
      </div>
      <div style="margin-bottom:6pt;margin-top:6pt">
        <table id="z4fc25f82559140728f9a9d1fa8b06d35" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.851%">

            <tr>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:57.469%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:4.712%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:16.336%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.545%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:16.338%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
            </tr>
            <tr>
              <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="6"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Liabilities and Capital and Surplus</font></td>
              <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2021</font></td>
              <td style="padding:0 1pt" colspan="3"><br>
              </td>
              <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2020</font></td>
            </tr>
            <tr>
              <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Policyholder
                  liabilities:</font></td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Life
                  policies and annuity contracts</font></td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
              <td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">388,469&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">413,759&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Accident
                  and health policies</font></td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">78,678&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">70,999&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Deposit-type
                  contracts</font></td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">6,122&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">4,956&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Life
                  policy and contract claims</font></td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">71&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">23&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Accident
                  and health policy and contract claims</font></td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">258&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">274&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 37pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Total
                  policyholder liabilities</font></td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">473,598&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">490,011&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">General expenses due
                  and accrued</font></td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">494&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">761&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Due from separate
                  accounts</font></td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(38,810)</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(60,293)</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Payable to parent and
                  affiliates</font></td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">4,793&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">3,902&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Current income taxes</font></td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">6,005&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1,978&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Asset valuation
                  reserve</font></td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">10,141&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">7,496&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
            </tr>
            <tr>
              <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Other liabilities</font></td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">5,025&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">3,930&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 46pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Liabilities,
                  exclusive of separate account liabilities</font></td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">461,246&#160;</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">447,785&#160;</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Separate account
                  liabilities</font></td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">4,447,304&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">3,773,866&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 37pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Total
                  liabilities</font></td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">4,908,550&#160;</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">4,221,651&#160;</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Capital and surplus:</font></td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 21.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Common
                  stock, $10 par value. Authorized, issued, and outstanding 200,000 shares at December 31, 2021 and 2020</font></td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2,000&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2,000&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Additional
                  paid-in capital</font></td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">72,500&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">72,500&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Unassigned
                  surplus</font></td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">88,510&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">81,469&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 37pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Total capital
                  and surplus</font></td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">163,010&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">155,969&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 37pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Total
                  liabilities and capital and surplus</font></td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">5,071,560&#160;</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">4,377,620&#160;</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr style="height:15pt">
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:3pt double #000000;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:3pt double #000000;padding:0 1pt" colspan="3"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">See accompanying notes
                  to statutory financial statements.</font></td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
            </tr>

        </table>
      </div>
      <div style="margin-bottom:6pt;margin-top:6pt"><br>
        </div>
      <div style="height:54pt;position:relative;width:100%">
        <div style="bottom:0;position:absolute;width:100%">
          <div style="margin-bottom:6pt;margin-top:6pt;text-align:center">
            <table id="zc0223882c256470387e85886edabcab7" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:96.929%">

                <tr>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:32.233%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:32.233%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:32.234%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                </tr>
                <tr>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
                    <div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">4 of 42</font></div>
                    <div><br>
                      </div>
                  </td>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                </tr>

            </table>
            <font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;</font></div>
        </div>
      </div>
      <hr style="page-break-after:always">
      <div style="min-height:108pt;width:100%">
        <div style="text-align:center"><br>
          </div>
        <div style="text-align:center"><br>
          </div>
        <div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%">ALLIANZ LIFE INSURANCE COMPANY OF NEW YORK</font></div>
        <div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">Statutory Statements of Operations</font></div>
        <div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">Years ended December&#160;31, 2021, 2020, and 2019</font></div>
        <div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">(Dollars in thousands)</font></div>
        <div style="margin-bottom:6pt;margin-top:6pt"><br>
          </div>
      </div>
      <div style="margin-bottom:6pt;margin-top:6pt">
        <table id="z5678ec6129234f68b6a1d1835b959cce" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%">

            <tr>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:54.257%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.544%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:13.036%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.544%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:13.036%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.544%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:13.039%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
            </tr>
            <tr>
              <td style="padding:0 1pt" colspan="3"><br>
              </td>
              <td style="padding:0 1pt" colspan="3"><br>
              </td>
              <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2021</font></td>
              <td style="padding:0 1pt" colspan="3"><br>
              </td>
              <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2020</font></td>
              <td style="padding:0 1pt" colspan="3"><br>
              </td>
              <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2019</font></td>
            </tr>
            <tr>
              <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Income:</font></td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Premiums
                  and annuity considerations</font></td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
              <td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">688,560&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">428,499&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">375,015&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Consideration
                  for supplementary contracts</font></td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1,042&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">3,445&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1,904&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Net
                  investment income</font></td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">16,177&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">18,028&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">19,866&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Commissions
                  and expense allowances on reinsurance ceded</font></td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">578&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">291&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">181&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Fees from
                  separate accounts</font></td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">66,792&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">66,045&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">68,960&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
            </tr>
            <tr>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 25.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Total
                  income</font></td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">773,149&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">516,308&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">465,926&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Benefits and other
                  expenses:</font></td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Policyholder
                  benefits</font></td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">40,707&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">34,640&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">33,083&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Surrenders</font></td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">240,826&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">209,892&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">222,802&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Change in
                  aggregate reserves and deposit funds</font></td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(17,165)</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1,842&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2,503&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Commissions
                  and other agent compensation</font></td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">47,602&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">31,709&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">28,312&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">General
                  and administrative expenses</font></td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">30,752&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">25,166&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">24,318&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Net
                  transfers to separate accounts</font></td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">358,538&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">186,015&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">134,980&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 25.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Total
                  benefits and other expenses</font></td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">701,260&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">489,264&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">445,998&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 34.75pt;text-align:left;text-indent:-9pt;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Income from operations before income taxes and net realized capital gain</font></td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">71,889&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">27,044&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">19,928&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Income tax expense
                  (benefit)</font></td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">6,319&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1,280&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(7,343)</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 34.75pt;text-align:left;text-indent:-9pt;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Net income from operations before net realized capital gain</font></td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">65,570&#160;</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">25,764&#160;</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">27,271&#160;</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 10pt;text-align:left;text-indent:-9pt;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Net realized capital gain (loss), net of taxes and interest maintenance reserve</font></td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(59,957)</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(41,220)</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(70,095)</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 25.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Net income
                  (loss)</font></td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">5,613&#160;</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(15,456)</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(42,824)</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr style="height:15pt">
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:3pt double #000000;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:3pt double #000000;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:3pt double #000000;padding:0 1pt" colspan="3"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">See accompanying notes
                  to statutory financial statements.</font></td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
            </tr>

        </table>
      </div>
      <div style="margin-bottom:6pt;margin-top:6pt"><br>
        </div>
      <div style="height:54pt;position:relative;width:100%">
        <div style="bottom:0;position:absolute;width:100%">
          <div style="margin-bottom:6pt;margin-top:6pt;text-align:center">
            <table id="z6555ac3761354070bcf28eac9ea330c0" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:96.929%">

                <tr>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:32.233%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:32.233%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:32.234%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                </tr>
                <tr>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
                    <div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">5 of 42</font></div>
                    <div><br>
                      </div>
                  </td>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                </tr>

            </table>
            <font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;</font></div>
        </div>
      </div>
      <hr style="page-break-after:always">
      <div style="min-height:108pt;width:100%">
        <div style="text-align:center"><br>
          </div>
        <div style="text-align:center"><br>
          </div>
        <div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%">ALLIANZ LIFE INSURANCE COMPANY OF NEW YORK</font></div>
        <div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">Statutory Statements of Capital and Surplus</font></div>
        <div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">Years ended December&#160;31, 2021, 2020, and 2019</font></div>
        <div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">(Dollars in thousands)</font></div>
        <div style="margin-bottom:6pt;margin-top:6pt"><br>
          </div>
      </div>
      <div style="margin-bottom:6pt;margin-top:6pt">
        <table id="z805e6efac78a4bb6ac509091b062fccd" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%">

            <tr>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:54.852%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.734%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:12.441%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.544%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:12.441%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.544%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:12.444%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
            </tr>
            <tr>
              <td style="padding:0 1pt" colspan="3"><br>
              </td>
              <td style="padding:0 1pt" colspan="3"><br>
              </td>
              <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2021</font></td>
              <td style="padding:0 1pt" colspan="3"><br>
              </td>
              <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2020</font></td>
              <td style="padding:0 1pt" colspan="3"><br>
              </td>
              <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2019</font></td>
            </tr>
            <tr>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Capital and
                  surplus at beginning of year</font></td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">155,969&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">171,336&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">223,746&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
            </tr>
            <tr>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
            </tr>
            <tr>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
            </tr>
            <tr>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Net income
                  (loss)</font></td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">5,613&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(15,456)</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(42,824)</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Change in
                  unrealized capital gain (loss)</font></td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1,534&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(1,845)</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(8,937)</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Change in
                  net deferred income tax</font></td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">3,807&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">5,397&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">3,356&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Change in
                  nonadmitted assets</font></td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(1,308)</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(1,698)</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(2,712)</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Other
                  changes in capital and surplus</font></td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(2,605)</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(1,765)</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(1,293)</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 25.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Capital
                  and surplus at end of year</font></td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">163,010&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">155,969&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">171,336&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr style="height:15pt">
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-top:3pt double #000000;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-top:3pt double #000000;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-top:3pt double #000000;padding:0 1pt" colspan="3"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">See accompanying notes
                  to statutory financial statements.</font></td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
            </tr>

        </table>
      </div>
      <div style="margin-bottom:6pt;margin-top:6pt"><br>
        </div>
      <div style="height:54pt;position:relative;width:100%">
        <div style="bottom:0;position:absolute;width:100%">
          <div style="margin-bottom:6pt;margin-top:6pt;text-align:center">
            <table id="zf9e7cc3aef6f427abef78112e889b95d" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:96.929%">

                <tr>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:32.233%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:32.233%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:32.234%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                </tr>
                <tr>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
                    <div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">6 of 42</font></div>
                    <div><br>
                      </div>
                  </td>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                </tr>

            </table>
            <font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;</font></div>
        </div>
      </div>
      <hr style="page-break-after:always">
      <div style="min-height:108pt;width:100%">
        <div style="text-align:center"><br>
          </div>
        <div style="text-align:center"><br>
          </div>
        <div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%">ALLIANZ LIFE INSURANCE COMPANY OF NEW YORK</font></div>
        <div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">Statutory Statements of Cash Flow</font></div>
        <div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">Years ended December&#160;31, 2021, 2020, and 2019</font></div>
        <div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">(Dollars in thousands)</font></div>
        <div style="margin-bottom:6pt;margin-top:6pt"><br>
          </div>
      </div>
      <div style="margin-bottom:6pt;margin-top:6pt">
        <table id="z11c1f8d5d6164a9d9f0bba257a80b34e" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%">

            <tr>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:59.763%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.395%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:11.251%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.544%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:11.251%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.544%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:11.252%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
            </tr>
            <tr>
              <td style="padding:0 1pt" colspan="3"><br>
              </td>
              <td style="padding:0 1pt" colspan="3"><br>
              </td>
              <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2021</font></td>
              <td style="padding:0 1pt" colspan="3"><br>
              </td>
              <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2020</font></td>
              <td style="padding:0 1pt" colspan="3"><br>
              </td>
              <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2019</font></td>
            </tr>
            <tr>
              <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Cash flows from
                  operating activities:</font></td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Revenues:</font></td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 25.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Premiums
                  and annuity considerations, net</font></td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
              <td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">689,603&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">432,042&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">376,831&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 25.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Net
                  investment income</font></td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">19,340&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">21,039&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">22,640&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 25.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Other
                  income</font></td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">67,367&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">66,336&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">69,139&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 37pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Total cash
                  provided by operating activities</font></td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">776,310&#160;</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">519,417&#160;</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">468,610&#160;</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Benefits
                  and expenses paid:</font></td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 25.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Benefit
                  and loss-related payments</font></td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">279,458&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">242,416&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">254,810&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 25.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Commissions,
                  expenses paid, and aggregate write-ins for deductions</font></td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">78,441&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">56,583&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">52,455&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 25.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Net
                  transfers to separate accounts</font></td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">337,054&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">189,376&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">131,928&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 25.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Income tax
                  paid (benefit received), net</font></td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2,310&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(7,436)</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">753&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 37pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Total cash
                  used in operating activities</font></td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">697,263&#160;</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">480,939&#160;</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">439,946&#160;</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 37pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Net cash
                  provided by operating activities</font></td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">79,047&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">38,478&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">28,664&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Cash flows from
                  investing activities:</font></td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 21.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Proceeds
                  from investments sold, matured, or repaid:</font></td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 25.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Bonds</font></td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">82,882&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">152,052&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">149,505&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
            </tr>
            <tr>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 25.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Miscellaneous
                  proceeds</font></td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">36&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">374&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1,006&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 37pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Total cash
                  provided by investing activities</font></td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">82,918&#160;</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">152,426&#160;</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">150,511&#160;</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Cost of
                  investments acquired:</font></td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 25.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Bonds</font></td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">91,367&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">171,141&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">100,701&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
            </tr>
            <tr>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 25.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Derivatives</font></td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">58,296&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">42,397&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">82,804&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 25.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Miscellaneous
                  applications</font></td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">574&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 37pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Total cash
                  used in investing activities</font></td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">150,237&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">213,538&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">183,505&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 37pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Net cash used
                  in investing activities</font></td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(67,319)</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(61,112)</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(32,994)</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Cash flows from
                  financing and miscellaneous activities:</font></td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Change in
                  payable to parent and affiliates</font></td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">891&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">518&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(1,308)</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Other</font></td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(209)</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(2,260)</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(988)</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 40pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Net cash
                  provided by (used in) financing and miscellaneous activities</font></td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">682&#160;</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(1,742)</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(2,296)</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 51.25pt;text-align:left;text-indent:-9pt;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Net increase (decrease) in cash and cash equivalents</font></td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">12,410&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(24,376)</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(6,626)</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Cash and cash
                  equivalents:</font></td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Beginning
                  of year</font></td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">16,637&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">41,013&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">47,639&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">End of
                  year</font></td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">29,047&#160;</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">16,637&#160;</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">41,013&#160;</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr style="height:15pt">
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:3pt double #000000;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:3pt double #000000;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:3pt double #000000;padding:0 1pt" colspan="3"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">See accompanying notes
                  to statutory financial statements.</font></td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
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                    <div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">7 of 42</font></div>
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            <font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;</font></div>
        </div>
      </div>
      <hr style="page-break-after:always">
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        <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%">ALLIANZ LIFE INSURANCE COMPANY OF NEW YORK</font></div>
        <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">Notes to the Statutory Financial Statements</font></div>
        <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">(Dollars in thousands, except share data and security holdings quantities)</font></div>
        <div style="margin-bottom:3pt;text-align:center"><br>
          </div>
        <div style="text-align:center"><br>
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      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt;text-indent:-27pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">(1)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%;padding-left:15.34pt">Organization and Nature of Operations</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Allianz Life Insurance Company of New York (the
          Company) is a wholly-owned subsidiary of Allianz Life Insurance Company of North America (Allianz Life), which is a wholly-owned subsidiary of Allianz of America, Inc. (AZOA). AZOA is a wholly-owned subsidiary of Allianz Europe, B.V., which is a
          wholly-owned subsidiary of Allianz SE. Allianz SE is a European company registered in Munich, Germany, and is the Company's ultimate parent.</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company is a life insurance company licensed
          to sell annuity, group and individual life, individual long-term care (LTC), and group accident and health policies in six states and the District of Columbia. Based on statutory net premium written, the Company's business is predominately
          annuity. The annuity business consists of variable-indexed and variable annuities. The life business includes individual life and consists entirely of term life policies. Accident and health business consists principally of LTC insurance. The
          Company has discontinued selling fixed annuity and LTC products. The Company's primary distribution channel is through broker-dealers.</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">After evaluating the Company&#8217;s ability to continue
          as a going concern, management is not aware of any conditions or events which raise substantial doubt concerning the Company&#8217;s ability to continue as a going concern as of the date of filing these Statutory Financial Statements. </font></div>
      <div style="margin-bottom:6pt;margin-top:6pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">(2)&#160;&#160;&#160;&#160;Summary of Significant Accounting Policies</font></div>
      <div style="margin-bottom:6pt;padding-left:54pt;text-indent:-27pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">(a)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Basis of Presentation</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Statutory Financial Statements have been
          prepared in accordance with accounting practices prescribed or permitted by the New York State Department of Financial Services (the&#160;Department). The Department recognizes statutory accounting practices prescribed or permitted by the state of New
          York for determining and reporting the financial condition and results of operations of an insurance company and its solvency under New York insurance law. The state of New York has adopted the National Association of Insurance Commissioners
          (NAIC) </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Accounting Practices and Procedures Manual</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> as its prescribed basis of statutory accounting principles (SAP). The state of New York has also adopted certain prescribed accounting practices that differ from those found
          in NAIC SAP. The Company has no material statutory accounting practices that differ from those of the Department or NAIC SAP. These practices differ in some respects from accounting principles generally accepted in the United States of America
          (U.S. GAAP). The effects of these differences, while not quantified, are presumed to be material to the Statutory Financial Statements. The more significant of these differences are as follows: </font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:81pt;text-align:justify;text-indent:-27pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">(1)&#160;&#160;&#160;&#160;Acquisition costs, such
          as commissions and other costs incurred in connection with acquiring new and renewal business, are charged to current operations as incurred. Under U.S. GAAP, acquisition costs that are directly related to the successful acquisition of insurance
          contracts are capitalized and charged to operations as the corresponding revenues or future profits are recognized.</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:81pt;text-align:justify;text-indent:-27pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">(2)&#160;&#160;&#160;&#160;Aggregate reserves for
          life policies and annuity contracts, excluding variable annuities, are based on statutory mortality and interest assumptions without consideration for lapses or withdrawals. Under U.S. GAAP, aggregate reserves consider lapses and withdrawals.</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:81pt;text-align:justify;text-indent:-27pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">(3)&#160;&#160;&#160;&#160;Ceded reinsurance
          recoverable are netted against their related reserves within Policyholder liabilities, Life policies and annuity contracts and Life policy and contract claims, on the Statutory Statements of Admitted Assets, Liabilities, and Capital and Surplus.
          Under U.S. GAAP, these ceded reserves are presented on a gross basis as an asset.</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:81pt;text-align:justify;text-indent:-27pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">(4)&#160;&#160;&#160;&#160;Bonds are carried at
          values prescribed by the NAIC, generally amortized cost, except for those with an NAIC rating of 6, which are reported at the lower of amortized cost or fair value. Under U.S. GAAP, bonds classified as &#8220;available-for-sale&#8221; are carried at fair
          value, with unrealized gains and losses recorded in stockholder&#8217;s equity.</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:81pt;text-align:justify;text-indent:-27pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">(5)&#160;&#160;&#160;&#160;Changes in deferred
          income taxes are recorded directly to Unassigned surplus. Under U.S. GAAP, these items are recorded as an item of income tax benefit or expense in operations. Moreover, under NAIC SAP, a valuation allowance may be recorded against the deferred
          tax asset (DTA) and admittance </font></div>
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                    <div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">8 of 42</font></div>
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            <font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;</font></div>
        </div>
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      <hr style="page-break-after:always">
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        <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%">ALLIANZ LIFE INSURANCE COMPANY OF NEW YORK</font></div>
        <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">Notes to the Statutory Financial Statements</font></div>
        <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">(Dollars in thousands, except share data and security holdings quantities)</font></div>
        <div style="margin-bottom:3pt;text-align:center"><br>
          </div>
        <div style="text-align:center"><br>
          </div>
        <div style="margin-bottom:6pt;margin-top:6pt"><br>
          </div>
      </div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:81pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">testing may result in an additional charge to
          capital and surplus for nonadmitted portions of DTAs. Under U.S. GAAP, a valuation allowance may be recorded against the DTA and reflected as an expense.</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:81pt;text-align:justify;text-indent:-27pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">(6)&#160;&#160;&#160;&#160;The Company is required
          to establish an asset valuation reserve (AVR) liability and an interest maintenance reserve (IMR) liability. The AVR provides for a standardized statutory investment valuation reserve for certain invested assets. Changes in this reserve are
          recorded as direct charges or credits to Unassigned surplus. The IMR is designed to defer net realized capital gains and losses resulting from changes in the level of prevailing market interest rates and amortize them into income within the
          Statutory Statements of Operations over the remaining life of the investment sold. The IMR represents the unamortized portion of applicable investment gains and losses as of the balance sheet date. There is no such concept under U.S. GAAP.</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:81pt;text-align:justify;text-indent:-27pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> (7)&#160;&#160;&#160;&#160;Certain assets
          designated as &#8220;nonadmitted assets&#8221; are not recognized and are charged directly to Unassigned surplus within the Statutory Statements of Capital and Surplus. These include, but are not limited to, furniture and fixtures, prepaid expenses,
          receivables outstanding greater than 90&#160;days, negative IMR, and portions of DTAs. There is no such concept under U.S. GAAP. </font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:81pt;text-align:justify;text-indent:-27pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">(8)&#160;&#160;&#160;&#160;A provision is made for
          amounts ceded to unauthorized reinsurers in excess of collateral in the form of a trust or letter of credit through a direct charge to Unassigned surplus within the Statutory Statements of Capital and Surplus. There is no such requirement under
          U.S. GAAP.</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:81pt;text-align:justify;text-indent:-27pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">(9)&#160;&#160;&#160;&#160;Revenues for universal
          life policies and annuity contracts, excluding deposit-type contracts, are recognized as revenue when received within the Statutory Statements of Operations. Under U.S. GAAP, policy and contract fees charged for the cost of insurance, policy
          administrative charges, amortization of policy initiation fees, and surrender contract charges are recorded as revenues when earned.</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:81pt;text-align:justify;text-indent:-27pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">(10)&#160;&#160;&#160;&#160;Benefits for universal
          life policies and annuity contracts within the Statutory Statements of Operations, excluding deposit-type contracts, consist of payments made to policyholders. Under U.S. GAAP, benefits represent interest credited, and claims and benefits
          incurred in excess of the policyholder&#8217;s contract balance.</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:81pt;text-align:justify;text-indent:-27pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">(11)&#160;&#160;&#160;&#160;Changes in the fair
          value of derivatives are recorded as direct adjustments to Unassigned surplus as a component of Change in unrealized capital gains (losses) within the Statutory Statements of Capital and Surplus. Under U.S. GAAP, changes in the fair value of
          derivatives are recorded in derivative income (loss) as part of operating income.</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:81pt;text-align:justify;text-indent:-27pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">(12)&#160;&#160;&#160;&#160;Commissions allowed by
          reinsurers on business ceded are reported as income when received within the Statutory Statements of Operations. Under U.S. GAAP, such commissions are deferred and amortized as a component of deferred acquisition costs to the extent recoverable.</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:81pt;text-align:justify;text-indent:-27pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">(13)&#160;&#160;&#160;&#160;The Statutory Financial
          Statements do not include a statement of comprehensive income as required under U.S. GAAP.</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:81pt;text-align:justify;text-indent:-27pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">(14)&#160;&#160;&#160;&#160;The Statutory Statements
          of Cash Flow do not classify cash flows consistent with U.S. GAAP and a reconciliation of net income to net cash provided from operating activities is not provided.</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:81pt;text-align:justify;text-indent:-27pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">(15)&#160;&#160;&#160;&#160;The calculation of
          reserves and transfers in the separate account statement requires the use of a Commissioners Annuity Reserve Valuation Method (CARVM) allowance on annuities for NAIC SAP. There is no such requirement under U.S. GAAP.</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:81pt;text-align:justify;text-indent:-27pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">(16)&#160;&#160;&#160;&#160;Sales inducements and
          premium bonuses are included in Life policies and annuity contracts in the Statutory Statements of Admitted Assets, Liabilities, and Capital and Surplus, and are charged to current operations as incurred. Under U.S. GAAP, deferred sales
          inducements and premium bonuses are similarly reserved; however, the costs are capitalized as assets and charged to operations as future profits are recognized in a manner similar to acquisition costs.</font></div>
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                    <div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">9 of 42</font></div>
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        <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%">ALLIANZ LIFE INSURANCE COMPANY OF NEW YORK</font></div>
        <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">Notes to the Statutory Financial Statements</font></div>
        <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">(Dollars in thousands, except share data and security holdings quantities)</font></div>
        <div style="margin-bottom:3pt;text-align:center"><br>
          </div>
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          </div>
        <div style="margin-bottom:6pt;margin-top:6pt"><br>
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      </div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:81pt;text-align:justify;text-indent:-27pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">(17)&#160;&#160;&#160;&#160;Negative cash balances
          are presented as a negative asset within the Statutory Statements of Admitted Assets, Liabilities, and Capital and Surplus. These balances are presented as a liability under U.S. GAAP.</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:81pt;text-align:justify;text-indent:-27pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">(18)&#160;&#160;&#160;&#160;Embedded derivatives are
          not separated from the host contract and accounted for separately as a derivative instrument. Under U.S. GAAP, entities must separate the embedded derivative from the host contracts and separately account for those embedded derivatives at fair
          value.</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:81pt;text-align:justify;text-indent:-27pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">(19)&#160;&#160;&#160;&#160;For variable-indexed
          annuities, the Department requires the Company to maintain a separate asset portfolio to back related reserves. These assets and liabilities are required to be included as part of the Separate account assets and Separate account liabilities
          presented on the Statutory Statements of Admitted Assets, Liabilities, and Capital and Surplus. Under U.S. GAAP, there is no such requirement.</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-indent:-27pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">(b)&#160;&#160;&#160;&#160;Permitted and Prescribed
          Statutory Accounting Practices</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company is required to file annual statements
          with insurance regulatory authorities, which are prepared on an accounting basis permitted or prescribed by such authorities. Prescribed statutory accounting practices include state laws, regulations, and general administrative rules, as well as
          a variety of publications of the NAIC. Permitted statutory accounting practices encompass all accounting practices that are not prescribed; such practices differ from state to state, may differ from company to company within a state, and may
          change in the future. The Company has no permitted or prescribed practices that differ from NAIC SAP that had an impact on net income or surplus as of December&#160;31, 2021, 2020, and 2019.</font></div>
      <div style="margin-bottom:6pt;padding-left:54pt;text-indent:-27pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">(c)&#160;&#160;&#160;&#160;Use of Estimates</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The preparation of Statutory Financial Statements
          in conformity with NAIC SAP requires management to make certain estimates and assumptions that affect reported amounts of admitted assets and liabilities, including reporting or disclosure of contingent assets and liabilities as of December&#160;31,
          2021 and 2020, and the reported amounts of revenues and expenses during the reporting period. Future events, including changes in mortality, morbidity, interest rates, capital markets, and asset valuations could cause actual results to differ
          from the estimates used within the Statutory Financial Statements. Such changes in estimates are recorded in the period they are determined.</font></div>
      <div style="margin-bottom:6pt;padding-left:54pt;text-indent:-27pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">(d)&#160;&#160;&#160;&#160;Premiums and Annuity Considerations</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Life premiums are recognized as income over the
          premium paying period of the related policies. Nondeposit-type annuity considerations are recognized as revenue when received. Accident and health premiums are earned ratably over the terms of the related insurance and reinsurance contracts or
          policies.</font></div>
      <div style="margin-bottom:6pt;padding-left:54pt;text-indent:-27pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">(e)&#160;&#160;&#160;&#160;Aggregate Reserves for Life Policies and
          Annuity Contracts</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Reserves are principally calculated as the minimum
          reserves permitted by the state where the contract is issued for the year in which the contract is issued.</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">For the Company&#8217;s fixed annuity product lines,
          reserves are calculated using CARVM. The Company uses both issue year for fixed-indexed and change in fund basis for deferred fixed-interest annuities for the calculation method, on a continuous basis, using the maximum allowable interest rate.
          Deferred fixed-indexed and fixed-interest annuities only have a single-tier structure, which may include bonuses.</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">For the Company&#8217;s variable and variable-indexed
          annuity product lines, reserves are calculated using NY Regulations 213, for guaranteed benefits with adequacy confirmed using stochastic scenario testing. Variable deferred annuities include a wide range of guaranteed minimum death benefits and
          living benefits (income, accumulation, and withdrawal).</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Aggregate reserves for life insurance policies are
          principally calculated using the Commissioners Reserve Valuation Method (CRVM) or VM-20, </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Requirements
          for Principle-Based Reserves for Life Products</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">, depending on the policy's issue date. Additional reserves are held for
          supplemental benefits and for contracts with secondary guarantees, consistent with prescribed regulations and actuarial guidelines. </font></div>
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            <font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;</font></div>
        </div>
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        <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%">ALLIANZ LIFE INSURANCE COMPANY OF NEW YORK</font></div>
        <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">Notes to the Statutory Financial Statements</font></div>
        <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">(Dollars in thousands, except share data and security holdings quantities)</font></div>
        <div style="margin-bottom:3pt;text-align:center"><br>
          </div>
        <div style="text-align:center"><br>
          </div>
        <div style="margin-bottom:6pt;margin-top:6pt"><br>
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      </div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company performs an annual asset adequacy
          analysis as required by regulation covering substantially all of its reserves. These tests are not only performed under the required interest rate scenarios, but also under additional stochastically generated interest and equity growth scenarios.
          Sensitivity tests, including policy lapse, annuitization, maintenance expenses, and investment return, are performed to evaluate potential insufficiencies in reserve adequacy. The results of these tests and analysis resulted in additional
          adequacy reserves recorded of $22,000 and $13,000 at December&#160;31, 2021 and 2020, respectively. For the universal life business, the Department&#8217;s Regulation 147 &#8211; </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Valuation of Life Insurance Reserves</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">
          stand-alone asset adequacy analysis was performed, which resulted in establishing additional reserves of $100 as of December&#160;31, 2021 and 2020, respectively.</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-indent:-27pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">(f)&#160;&#160;&#160;&#160;Aggregate Reserves for
          Accident and Health Policies</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">For accident and health business, reserves consist
          of active life reserves (mainly reserves for unearned premiums and reserves for contingent benefits on individual LTC business) and claim reserves (the&#160;present value of amounts not yet due). Claim reserves represent incurred but unpaid claims
          under group policies. For the LTC business, the Department&#8217;s Regulation 56 &#8211; </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Minimum Reserves for
          Individual Accident and Health Insurance Policies</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> stand&#8209;alone asset adequacy analysis was performed through a gross
          premium valuation. The testing under the &#8220;sound value&#8221; requirements resulted in establishing additional reserves of $34,536 and $26,573 as of December&#160;31, 2021 and 2020, respectively.</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-indent:-27pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">(g)&#160;&#160;&#160;&#160;Deposit-type Contracts</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Deposit-type contracts represent liabilities to
          policyholders in a payout status, who have chosen a fixed payout option without life contingencies. The premiums and claims related to deposit-type contracts are not reflected in the Statutory Statements of Operations as they do not have
          insurance risk. The Company accounts for the contract as a deposit-type contract in the Statutory Statements of Admitted Assets, Liabilities, and Capital and Surplus.</font></div>
      <div style="margin-bottom:6pt;padding-left:54pt;text-indent:-27pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">(h)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Policy and Contract Claims</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Policy and contract claims include the liability
          for claims reported but not yet paid, claims incurred but not yet reported (IBNR), and claim settlement expenses on the Company&#8217;s accident and health business. Actuarial reserve development methods are generally used in the determination of IBNR
          liabilities. In cases of limited experience or lack of credible claims data, loss ratios are used to determine an appropriate IBNR liability. Claim and IBNR liabilities of a short-term nature are not discounted, but those claim liabilities
          resulting from disability income or LTC benefits include interest and mortality discounting.</font></div>
      <div style="margin-bottom:6pt;padding-left:54pt;text-indent:-27pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">(i)&#160;&#160;&#160;&#160;Reinsurance</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company cedes business to other insurers.
          Reinsurance premium and benefits paid or provided are accounted for in a manner consistent with the basis used in accounting for original policies issued and the terms of the reinsurance contracts. Amounts recoverable from reinsurers represent
          account balances and unpaid claims covered under reinsurance contracts. Amounts paid or deemed to have been paid for claims covered by reinsurance contracts are recorded as a reinsurance recoverable and are included in Other assets on the
          Statutory Statements of Admitted Assets, Liabilities, and Capital and Surplus. </font></div>
      <div style="margin-bottom:6pt;padding-left:54pt;text-indent:-27pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">(j)&#160;&#160;&#160;&#160;Investments</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Investment values are determined in accordance
          with methods prescribed by the NAIC. </font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Bonds</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Securities Valuation Office (SVO) of the NAIC
          evaluates the credit quality of the Company&#8217;s bond investments. Bonds rated at &#8220;1&#8221; (highest quality), &#8220;2&#8221; (high quality), &#8220;3&#8221; (medium quality), &#8220;4&#8221; (low quality), or &#8220;5&#8221; (lower quality) are reported at cost adjusted for the amortization of
          premiums, accretion of discounts, and any impairment. Bonds rated at &#8220;6&#8221; (lowest quality) are carried at the lower of amortized cost or fair value with any adjustments to fair value recorded to Unassigned surplus within the Statutory Statements
          of Capital and Surplus. </font></div>
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            <font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;</font></div>
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        <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%">ALLIANZ LIFE INSURANCE COMPANY OF NEW YORK</font></div>
        <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">Notes to the Statutory Financial Statements</font></div>
        <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">(Dollars in thousands, except share data and security holdings quantities)</font></div>
        <div style="margin-bottom:3pt;text-align:center"><br>
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        <div style="margin-bottom:6pt;margin-top:6pt"><br>
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      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">In accordance with its investment policy, the
          Company invests primarily in high-grade marketable securities. Dividends are accrued on the date declared and interest is accrued as earned. Premiums or discounts on bonds are amortized using the constant-yield method.</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Loan-backed securities and structured securities
          are amortized using anticipated prepayments, in addition to other less significant factors. Prepayment assumptions for loan-backed and structured securities are obtained from various external sources or internal estimates. The Company believes
          these assumptions are consistent with those a market participant would use. The Company recognizes income using the modified scientific method based on prepayment assumptions and the estimated economic life of the securities. For structured
          securities, except impaired bonds, when actual prepayments differ significantly from anticipated prepayments, the effective yield is recalculated to reflect actual payments to date and anticipated future payments retrospectively. Any resulting
          adjustment is included in Net investment income on the Statutory Statements of Operations. For impaired bonds, when adjustments are made for anticipated prepayments and other expected changes in future cash flows, the effective yield is
          recalculated using the prospective method as required by Statement of Statutory Accounting Principles (SSAP) No.&#160;43R &#8211; </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Loan Backed and Structured Securities</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">
          (SSAP No.&#160;43R). </font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Hybrid securities are investments structured to
          have characteristics of both stocks and bonds. The Company records these securities within Bonds on the Statutory Statements of Admitted Assets, Liabilities, and Capital and Surplus. </font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Gross realized gains and losses are computed based
          on the average amortized cost of all lots held for a particular CUSIP. </font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The fair value of bonds is obtained from
          third-party pricing sources whenever possible. Management completes its own independent price verification (IPV) process, which ensures security pricing is obtained from a third-party source other than the sources used by the Company's internal
          and external investment managers. The IPV process supports the reasonableness of price overrides and challenges by the internal and external investment managers and reviews pricing for appropriateness. Results of the IPV process are reviewed by
          the Company&#8217;s Pricing Committee.</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Allianz Life reviews its entire combined
          investment portfolio, including the investment portfolios of the Company and all other subsidiaries, in aggregate each quarter to determine if declines in fair value are other than temporary.</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">For bonds for which the fair value is less than
          amortized cost, the Company evaluates whether a credit loss exists by considering primarily the following factors: (a)&#160;the length of time and extent to which the fair value has been less than the amortized cost of the security; (b)&#160;changes in the
          financial condition, credit rating, and near-term prospects of the issuer; (c)&#160;whether the issuer is current on contractually obligated interest and principal payments; (d)&#160;changes in the financial condition of the security&#8217;s underlying
          collateral, if any; and (e)&#160;the payment structure of the security. For loan-backed securities, the Company must allocate other-than-temporary impairments (OTTI) between interest and noninterest-related declines in fair value. Interest-related
          impairments are considered other than temporary when the Company has the intent to sell the investment prior to recovery of the cost of the investment. The Company maintains a prohibited disposal list that restricts the ability of the investment
          managers to sell securities in a significant unrealized loss position and requires formal attestations from investment managers regarding their lack of intent to sell certain securities. </font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Impairments considered to be other-than-temporary
          are recorded as a reduction of the cost of the security, and a corresponding realized loss is recognized on the Statutory Statements of Operations in the period in which the impairment is determined. Recognition of the realized loss is subject to
          potential offset by AVR and IMR. </font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Cash and Cash Equivalents</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Cash and cash equivalents may include cash on
          hand, demand deposits, money market funds, and highly liquid debt instruments purchased with an original maturity of three months or less. Due to the short-term nature of these investments, the carrying value is deemed to approximate fair value.</font></div>
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            <font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;</font></div>
        </div>
      </div>
      <hr style="page-break-after:always">
      <div style="min-height:108pt;width:100%">
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        <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%">ALLIANZ LIFE INSURANCE COMPANY OF NEW YORK</font></div>
        <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">Notes to the Statutory Financial Statements</font></div>
        <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">(Dollars in thousands, except share data and security holdings quantities)</font></div>
        <div style="margin-bottom:3pt;text-align:center"><br>
          </div>
        <div style="text-align:center"><br>
          </div>
        <div style="margin-bottom:6pt;margin-top:6pt"><br>
          </div>
      </div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><br>
        </div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Policy Loans</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Policy loans are supported by the underlying cash
          value of the policies. Policy loans are carried at unpaid principal balances plus accrued interest income on the Statutory Statements of Admitted Assets, Liabilities, and Capital and Surplus. The unpaid principal balances are not in excess of the
          cash surrender values of the related policies.</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Receivables for Securities</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Receivables and payables for securities are
          carried at fair value on the trade date and represent a timing difference on securities that are traded at the balance sheet date but not settled until subsequent to the balance sheet date. Receivables and payables for securities are included in
          Receivables for securities and Other liabilities, respectively, on the Statutory Statements of Admitted Assets, Liabilities, and Capital and Surplus. </font></div>
      <div style="margin-bottom:6pt;padding-left:54pt;text-indent:-27pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">(k)&#160;&#160;&#160;&#160;Derivatives</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company utilizes derivatives within certain
          actively managed investment portfolios for hedging purposes.</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Futures and Options Contracts</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company provides benefits through certain
          annuity products which are linked to the fluctuation of various market indices, and certain variable annuity contracts that provide minimum guaranteed benefits. The Company has analyzed the characteristics of these benefits and has entered into
          over-the-counter (OTC) option contracts and exchange-traded futures contracts tied to an underlying index with similar characteristics with the objective to economically hedge these benefits. Management monitors in-force amounts as well as option
          and futures contract values to ensure satisfactory matching and to identify unsatisfactory mismatches. If actual persistency deviated, management would purchase or sell option and futures contracts as deemed appropriate or take other actions. </font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The OTC option contracts are reported at fair
          value in Derivative assets and Derivative liabilities on the Statutory Statements of Admitted Assets, Liabilities, and Capital and Surplus. The fair value of the OTC options is derived internally and deemed by management to be reasonable via
          performing an IPV process. The process of deriving internal derivative prices requires the Company to calibrate Monte Carlo scenarios to actual market information. The calibrated scenarios are applied to derivative cash flow models to calculate
          fair value prices for the derivatives. Incremental gains and losses from expiring options are included in Net realized capital gain (loss) on the Statutory Statements of Operations. The liability for the related policyholder benefits is reported
          in Life policies and annuity contracts on the Statutory Statements of Admitted Assets, Liabilities, and Capital and Surplus. The unrealized gain or loss on open OTC option contracts is recognized as a direct adjustment to Unassigned surplus
          within the Statutory Statements of Capital and Surplus. Any unrealized gains or losses on open OTC option contracts are recognized as realized when the contracts mature (see Note&#160;5 for further discussion).</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Futures contracts do not require an initial cash
          outlay, and the Company has agreed to daily net settlement based on movements of the representative index. Therefore, no asset or liability is recorded as of the end of the reporting period. A derivative asset or liability and an offsetting
          variation margin payable or receivable is recorded in Derivative assets or Derivative liabilities in the Statutory Statements of Admitted Assets, Liabilities, and Capital and Surplus for the outstanding unpaid variation margin representing market
          movements on the last trading day of the year. </font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Gains and losses are not considered realized until
          the termination or expiration of the futures contract. Unrealized gains and losses on futures contracts are reflected in the Statutory Statements of Capital and Surplus in Unassigned surplus, within Change in unrealized capital gains (loss).
          Realized gains and losses on futures contracts are included in the Statutory Statements of Operations, Net realized capital gain (loss), net of taxes and interest maintenance reserve.</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><br>
        </div>
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                    <div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">13 of 42</font></div>
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            <font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;</font></div>
        </div>
      </div>
      <hr style="page-break-after:always">
      <div style="min-height:108pt;width:100%">
        <div style="margin-bottom:3pt;text-align:center"><br>
          </div>
        <div style="margin-bottom:3pt;text-align:center"><br>
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        <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%">ALLIANZ LIFE INSURANCE COMPANY OF NEW YORK</font></div>
        <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">Notes to the Statutory Financial Statements</font></div>
        <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">(Dollars in thousands, except share data and security holdings quantities)</font></div>
        <div style="margin-bottom:3pt;text-align:center"><br>
          </div>
        <div style="text-align:center"><br>
          </div>
        <div style="margin-bottom:6pt;margin-top:6pt"><br>
          </div>
      </div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Total Return Swaps</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company utilizes total return swaps (TRS) also
          to economically hedge market risks embedded in certain annuities. TRS contracts are reported at fair value in Derivative assets or Derivative liabilities on the Statutory Statements of Admitted Assets, Liabilities, and Capital and Surplus. The
          fair value of the TRS is based on counterparty pricing and deemed by management to be reasonable. Changes in unrealized gains and losses on the swaps are recorded as a direct adjustment to Unassigned surplus within the Statutory Statements of
          Capital and Surplus. </font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:31.5pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">(l)&#160;&#160;&#160;&#160;Income Taxes</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company files a consolidated federal income
          tax return with AZOA. The consolidated tax allocation agreement stipulates that each company participating in the return will bear its share of the tax liability pursuant to certain tax allocation elections under the Internal Revenue Code (IRC)
          and its related regulations and reimbursement will be in accordance with an intercompany tax reimbursement arrangement. The Company generally will be paid for the tax benefit of any of their tax attributes used by any member of the consolidated
          group.</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company provides for federal income taxes
          based on amounts the Company believes it ultimately will owe. Inherent in the provision for federal income taxes are estimates regarding the deductibility of certain items and the realization of certain tax credits. In the event the ultimate
          deductibility of certain items or the realization of certain tax credits differs from estimates, the Company may be required to significantly change the provision for federal income taxes recorded in the Statutory Statements of Admitted Assets,
          Liabilities, and Capital and Surplus. Any such change could significantly affect the amounts reported in the Statutory Statements of Operations. Management uses best estimates to establish reserves based on current facts and circumstances
          regarding tax exposure items where the ultimate deductibility is open to interpretation. Quarterly, management evaluates the appropriateness of such reserves based on any new developments specific to their fact patterns. Information considered
          includes results of completed tax examinations, Technical Advice Memorandums, and other rulings issued by the Internal Revenue Service or the tax courts.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%"> </font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company utilizes the asset and liability
          method of accounting for income taxes. DTAs and deferred tax liabilities (DTLs), net of the nonadmitted portion are recognized for the future tax consequences attributable to differences between the financial statement carrying amounts of
          existing assets and liabilities and their respective tax bases. Gross DTAs and DTLs are measured using enacted tax rates and are considered for admitted tax asset status according to the admissibility test as set forth by the state of New York.
          Changes in DTAs and DTLs, including changes attributable to changes in tax rates, are recognized as a component of Unassigned surplus on the Statutory Statements of Admitted Assets, Liabilities, and Capital and Surplus. </font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-indent:-22.5pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">(m)&#160;&#160;&#160;&#160;Separate Accounts</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Separate account assets and liabilities are
          primarily funds held for the exclusive benefit of variable and variable-indexed annuity contract holders. Separate account assets are reported at fair value in accordance with SSAP No.&#160;56 &#8211; </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Separate Accounts</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> (SSAP No.&#160;56),
          with the exception of certain bonds, cash, cash equivalents, and investment income due and accrued. Certain assets that are allocated to the index options for the Allianz Index Advantage New York Variable Annuity (VIA) are invested in bonds and
          cash equivalents and carried at amortized cost in accordance with the product filing requirements in the state of New York.</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Amounts due from separate accounts primarily
          represent the difference between the surrender value of the contracts and the Separate account liability as disclosed on the Statutory Statements of Admitted Assets, Liabilities, and Capital and Surplus. This receivable represents the surrender
          fee that would be paid to the Company upon the surrender of the policy or contract by the policyholder or contract holder as of December&#160;31. Amounts charged to the contract holders for mortality and contract maintenance, and other administrative
          services fees are included in income within Fees from separate accounts on the Statutory Statements of Operations. These fees have been earned and assessed against contract holders on a daily or monthly basis throughout the contract period and
          are recognized as revenue when assessed and earned. Transfers to separate accounts within the Statutory Statements of Operations primarily includes transfers for </font></div>
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                    <div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">14 of 42</font></div>
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            <font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;</font></div>
        </div>
      </div>
      <hr style="page-break-after:always">
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        <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%">ALLIANZ LIFE INSURANCE COMPANY OF NEW YORK</font></div>
        <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">Notes to the Statutory Financial Statements</font></div>
        <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">(Dollars in thousands, except share data and security holdings quantities)</font></div>
        <div style="margin-bottom:3pt;text-align:center"><br>
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        <div style="text-align:center"><br>
          </div>
        <div style="margin-bottom:6pt;margin-top:6pt"><br>
          </div>
      </div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">new premium and annuity considerations, benefit
          payments, surrender charge wear-off, realized and unrealized investment gains/losses, investment income, and other contractholder behavior.</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-indent:-22.5pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">(n)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Receivables</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Receivable balances approximate estimated fair
          values. This is based on pertinent information available to management as of year-end, including the financial condition and creditworthiness of the parties underlying the receivables. Any balances outstanding more than 90&#160;days are nonadmitted on
          the Statutory Statements of Admitted Assets, Liabilities, and Capital and Surplus. </font></div>
      <div style="margin-bottom:6pt;padding-left:54pt;text-indent:-22.5pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">(o)&#160;&#160;&#160;&#160;Reclassifications</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Prior year balances have not been reclassified to
          conform to the current year presentation. </font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt;text-indent:-27pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">(3)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Accounting
          Changes and Corrections of Errors</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Accounting Changes</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Recently Issued Accounting Standards &#8211; Adopted</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-style:italic;font-weight:700;line-height:120%"> in </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">2021</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">In 2021, the NAIC extended the following
          interpretations (INT) in response to the COVID-19 pandemic:</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:72pt;text-align:justify;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">INT 20-03, Troubled Debt Restructuring due to COVID-19. This INT followed the interagency COVID-19 guidance issued
          by federal and state prudential banking regulators (and concurred by the FASB) and the Coronavirus Aid, Relief, and Economic Security (CARES) Act. Specifically, a modification of a mortgage loan or bank loan terms did not result in troubled debt
          restructurings as long as the modification was in response to COVID-19, the borrower was current at the time of the modification, and the modification was short-term. In addition, insurers were not required to designate mortgage loans or bank
          loans with deferrals granted due to COVID-19 as past due or report them as nonaccrual loans. This INT was effective for the period beginning March 1, 2020 and originally expired on December 31, 2020. In January 2021, the provisions in this INT
          were extended updating the effective period to be the earlier of January 1, 2022 or the date that is 60 days after the date on which the national emergency declared by the President terminates. This INT did not impact the Company.</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:72pt;text-align:justify;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">INT 20-07, Troubled Debt Restructuring of Certain Debt Investments Due to COVID-19. This INT provided temporary
          guidance by allowing practical expedients when assessing whether modifications made to debt securities (under SSAP 26R and 43R) due to COVID-19 are insignificant. Specifically, the guidance proposed restructurings in response to COVID-19 are
          considered to be insignificant if the restructuring resulted in a 10% or less shortfall amount in the contractual amount due and did not extend the maturity of the investment by more than 3 years. This INT was effective for the period beginning
          March 1, 2020 and originally expired on December 31, 2020. In January 2021, the provisions in this INT were extended updating the effective period to be the earlier of January 1, 2022 or the date that is 60 days after the date on which the
          national emergency declared by the President terminates. This INT did not impact the Company.</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">In 2016, the NAIC adopted revisions to SSAP No.
          51R, Life Contracts and SSAP No. 54, Individual and Group Accident and Health Contracts, Issue Paper No. 154, Implementation of Principles-Based Reserving. These revisions relate to the adoption of the Valuation Manual and provides for principles
          based reserving for Life and Heath contracts. The Valuation Manual is part of the Department Regulation 213. Final adoption of the First Amendment to Regulation 213 was published February 2020 and provides the following revisions: 1) VM-20,
          Requirements for Principle-Based Reserves for Life Products, is effective January 1, 2020. However, an insurer could request a one-year delay in adopting this standard. The Company adopted Regulation 213 for life products as of January 1, 2021
          for new business issued January 1, 2021 and later, in accordance with its agreement with the Department. The adoption resulted in an immaterial impact. 2) VM-21, Requirements for Principle-Based Reserves for Variable Annuities was adopted in
          2020. 3) VM-22, Statutory Maximum Valuation Interest Rates for Income Annuities, VM-25, Health Insurance Reserves Minimum Requirements, and VM-26, Credit Life and Disability Reserve Requirements, are not applicable as the Company does not issue
          these contracts.&#160;</font></div>
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            <font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;</font></div>
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        <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%">ALLIANZ LIFE INSURANCE COMPANY OF NEW YORK</font></div>
        <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">Notes to the Statutory Financial Statements</font></div>
        <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">(Dollars in thousands, except share data and security holdings quantities)</font></div>
        <div style="margin-bottom:3pt;text-align:center"><br>
          </div>
        <div style="text-align:center"><br>
          </div>
        <div style="margin-bottom:6pt;margin-top:6pt"><br>
          </div>
      </div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Recently Issued Accounting
          Standards &#8211; Adopted in 2020</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">In 2019, the NAIC adopted revisions to both
          Actuarial Guideline 43 and VM-21, effective January 1, 2020. The implementation of the Regulation 213 revisions as of January 1, 2020 resulted in no change in reserves. The portion of the Standard reserve that was impacted with the implementation
          of Regulation 213 did not exceed the offsetting hedge component within the calculation after the changes, resulting in no impact to the reported reserve. The 2019 amendments to VM-21 allow an optional phase-in of the increase which the Company
          did not elect. 3) VM-22, Statutory Maximum Valuation Interest Rates for Income Annuities, VM-25, Health Insurance Reserves Minimum Requirements, and VM-26, Credit Life and Disability Reserve Requirements, are not applicable as the Company does
          not issue these contracts.</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">In August 2019, the NAIC adopted SSAP No. 22R,
          Leases. This revised standard is a substantive revision, reorganization, and clarification of SSAP 22. It adopts much of the language of US GAAP Accounting Standards Update (ASU) 2016-02, Leases, but retains operating lease accounting for
          Statutory accounting. It was effective January 1, 2020, with early adoption permitted. The Company adopted these revisions effective January 1, 2020. There was no impact on net income or surplus during the year ended December 31, 2020, as a
          result of adopting the revisions.&#160;&#160;&#160;&#160;</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">In March 2020, the NAIC adopted INT 20-01,
          Reference Rate Reform. The interpretation adopted the optional guidance outlined in ASU 2020-04, Reference Rate Reform, for a limited period of time to ease the potential burden on accounting for reference rate reform. The practical expedients
          outlined in the interpretation are for modifications solely related to reference rate reform and optionally suspends assessments for re-measuring a contract and de-designating a hedge relationship. This interpretation is effective on the date of
          adoption and expires on December 31, 2022. The Company adopted the optional guidance in this interpretation effective March 12, 2020. As of December 31, 2020, the Company has not made any modifications to financial assets or liabilities as a
          result of reference rate reform.</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">In April, May, June, and August 2020, the NAIC
          adopted and extended, the following interpretations (INT) in response to the COVID-19 pandemic: </font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:72pt;text-align:justify;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">INT 2020-02, Extension of 90-Day Rule for the Impact of COVID-19. This INT extends a one-time optional extension of
          the nonadmission assessment guidance for premiums and similar receivables due from policyholders or agents. For receivables that were current prior to the beginning of the declaration of a state of emergency by the U.S. federal government on
          March 13, 2020 or originated on or after March 13, 2020, insurers may continue to admit assets greater than 90 days past due. This INT is applicable for the March 31, 2020, June 30, 2020, and September 30, 2020 financial statements and expired on
          December 30, 2020. This INT did not have a material impact to the Company.</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:72pt;text-align:justify;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">INT 2020-03, Troubled Debt Restructuring Due to COVID-19. This INT follows the interagency COVID-19 guidance issued
          by federal and state prudential banking regulators (and concurred by the FASB) and the Coronavirus Aid, Relief, and Economic Security (CARES) Act. Specifically, a modification of a mortgage loan or bank loan terms do not result in troubled debt
          restructurings as long as the modification is in response to COVID-19, the borrower was current at the time of the modification, and the modification is short-term. In addition, insurers are not required to designate mortgage loans or bank loans
          with deferrals granted due to COVID-19 as past due or report them as nonaccrual loans. This INT was effective for the period beginning March 1, 2020 and originally expired on December 31, 2020. In January 2021, the provisions in this INT were
          extended updating the effective period to be the earlier of January 1, 2022 or the date that is 60 days after the date on which the national emergency declared by the President terminates. This INT did not have a material impact to the Company.</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:72pt;text-align:justify;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">INT 2020-04, Mortgage Loan Impairment Assessment Due to COVID-19. This INT defers the impairment assessment for
          bank loans, mortgage loans, and investments which predominantly hold underlying mortgage loans and are impacted by forbearance or modifications in response to COVID-19. This INT is applicable for the March 31, 2020, June 30, 2020, and September
          30, 2020 financial statements and expired on December 30, 2020. This INT did not have a material impact to the Company.</font></div>
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            <font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;</font></div>
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        <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%">ALLIANZ LIFE INSURANCE COMPANY OF NEW YORK</font></div>
        <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">Notes to the Statutory Financial Statements</font></div>
        <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">(Dollars in thousands, except share data and security holdings quantities)</font></div>
        <div style="margin-bottom:3pt;text-align:center"><br>
          </div>
        <div style="text-align:center"><br>
          </div>
        <div style="margin-bottom:6pt;margin-top:6pt"><br>
          </div>
      </div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:72pt;text-align:justify;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">INT 2020-05, Investment Income Due and Accrued. This INT provides temporary relief guidance for assessing the
          collectability of interest income, admissibility relief of accrued investment income 90 days past due, and clarifies how interest income should be recognized during a payment holiday. This INT is applicable for the June 30, 2020, and September
          30, 2020 financial statements and expired on December 30, 2020. This INT did not have did not have a material impact to the Company.</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:72pt;text-align:justify;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">INT 2020-06, Participation in the 2020 TALF Program. This INT provides guidance for reporting Term Asset-Backed
          Securities Lending Facility (TALF) loans for the duration of the 2020 TALF program. This INT did not impact the Company as the Company did not participate in this program.</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:72pt;text-align:justify;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">INT 2020-07, Troubled Debt Restructuring of Certain Debt Investments Due to COVID-19. This INT provides temporary
          guidance by allowing practical expedients when assessing whether modifications made to debt securities (under SSAP No. 26R and SSAP No. 43R) due to COVID-19 are insignificant. Specifically, the guidance proposes restructurings in response to
          COVID-19 are considered to be insignificant if the restructuring results in a 10% or less shortfall amount in the contractual amount due and does not extend the maturity of the investment by more than 3 years. This INT was effective for the
          period beginning March 1, 2020 and originally expired on December 31, 2020. In January 2021, the provisions in this INT were extended updating the effective period to be the earlier of January 1, 2022 or the date that is 60 days after the date on
          which the national emergency declared by the President terminates. This INT did not have a material impact to the Company. </font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:72pt;text-align:justify;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">INT 2020-08, COVID-19 Premium Refunds, Rate Reductions and Policyholder Dividends. This INT provides guidance for
          returns or benefits to policyholders. This INT did not impact the Company.</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">These INTs have an immaterial effect on the
          financial statements as of December 31, 2020. The Company will continue to monitor these INTs and assess impacts until they are nullified.</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">In May 2020, the NAIC adopted revisions to SSAP
          No. 26R, Bonds, which provides clarifying guidance when assessing other than temporary impairments (OTTI) for debt instruments that have been previously modified pursuant to SSAP No. 36, Troubled Debt Restructuring, or SSAP No. 103R, Transfers
          and Servicing of Financial Assets and Extinguishments of Liabilities. The revisions to SSAP No. 26R state subsequent OTTI assessments for debt instruments modified under SSAP No. 36 or SSAP No 103 will be based on the modified contractual terms
          and not revert back to the original acquisition terms. These revisions were effective May 20, 2020 and were subsequently adopted by the Company. There was no impact on net income or surplus during the year ended December 31, 2020, as a result of
          adopting the revisions.</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">In November 2020, the NAIC adopted revisions to
          SSAP No. 43R, Loan-Backed and Structured Securities. The revisions reflect the updated NAIC designation category for residential and commercial mortgage-backed securities that utilize the financial modeling guidance. The revisions were effective
          November 12, 2020 and was subsequently adopted by the Company. There was no impact on net income or surplus during the year ended December 31, 2020, as a result of adopting the revisions.</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Recently Issued Accounting
          Standards &#8211; Adopted in 2019</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Not applicable.</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Recently Issued Accounting
          Standards &#8211; To Be Adopted</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Not applicable</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Corrections of Errors </font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company records correction of errors in
          accordance with SSAP No.&#160;3 &#8211; </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Accounting Changes and Correction of Errors</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> (SSAP No. 3). SSAP No.&#160;3 prescribes that the correction of errors in previously issued Statutory Financial Statements will be reported
          as an adjustment to capital and surplus in the period the error is detected. These errors are shown within Correction of errors, net of tax, on the Statutory Statements of Capital and Surplus.</font></div>
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        <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%">ALLIANZ LIFE INSURANCE COMPANY OF NEW YORK</font></div>
        <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">Notes to the Statutory Financial Statements</font></div>
        <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">(Dollars in thousands, except share data and security holdings quantities)</font></div>
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      <div style="margin-bottom:6pt;margin-top:6pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%"> (4)&#160;&#160;&#160;&#160;Risk Disclosures</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%"> </font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following is a description of the significant
          risks facing the Company and how it attempts to mitigate those risks: </font></div>
      <div style="margin-bottom:6pt;padding-left:27pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">(a)&#160;&#160;&#160;&#160;Credit Risk</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Credit risk is the risk that issuers of
          fixed-income securities, or other parties with whom the Company has transactions, such as reinsurers and derivative counterparties, default on their contractual obligations, resulting in unexpected credit losses. </font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company mitigates this risk by adhering to
          investment policies and limits that provide portfolio diversification on an asset class, asset quality, creditor, and geographical basis, and by complying with investment limitations from applicable state insurance laws and regulations. The
          Company considers all relevant objective information available in estimating the cash flows related to structured securities. The Company actively monitors and manages exposures, and determines whether any securities are impaired. The aggregate
          credit risk is influenced by management&#8217;s risk/return preferences, the economic and credit environment, and the ability to manage this risk through liability portfolio management.</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">For derivative counterparties, the Company
          mitigates credit risk by tracking and limiting exposure to each counterparty through limits that are reported regularly and, once breached, restricts further trades; establishing relationships with counterparties rated BBB+ and higher; and
          monitoring the credit default swaps (CDS) of each counterparty as an early warning signal to cease trading when credit default swap spreads imply severe impairment in credit quality.</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company executes Credit Support Annexes (CSA)
          with all active and new counterparties which further limits credit risk by requiring counterparties to post collateral to a segregated account to cover any counterparty exposure. Additionally most transactions are cleared through a clearinghouse
          thereby transferring counterparty risk from the bank to the clearinghouse that tends to have stronger credit. This often leads to increased collateralization and lower counterparty risk for the Company.</font></div>
      <div style="margin-bottom:6pt;padding-left:27pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">(b)&#160;&#160;&#160;&#160;Credit Concentration Risk</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Credit concentration risk is the risk of increased
          exposure to significant asset defaults (of a single security issuer); economic conditions (if business is concentrated in a certain industry sector or geographic area); or adverse regulatory or court decisions (if concentrated in a single
          jurisdiction) affecting credit.</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company&#8217;s Finance Committee, responsible for
          asset/liability management (ALM) issues, recommends an investment policy to the Company&#8217;s Board of Directors (BOD) and approves the strategic asset allocation and accompanying investment mandates for an asset manager with respect to asset class.
          The investment policy and accompanying investment mandates specify asset allocation among major asset classes and the degree of asset manager flexibility for each asset class. The investment policy complies, at a minimum, with state statutes.
          Compliance with the policy is monitored by the Finance Committee who is responsible for implementing internal controls and procedures. Deviations from the policy are monitored and addressed. The Finance Committee and, subsequently, the BOD review
          the investment policy at least annually. </font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">To further mitigate this risk, internal
          concentration limits based on credit rating and sector are established and are monitored regularly by Allianz Life on a consolidated basis. Any ultimate obligor group exceeding these limits is placed on a restricted list to prevent further
          purchases, and the excess exposure may be actively sold down to comply with concentration limit guidelines. Any exceptions require Chief Risk Officer approval and monitoring by the Risk Committee. Further, the Company performs a quarterly
          concentration risk calculation to ensure compliance with the State of New York basket clause.</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">(c)&#160;&#160;&#160;&#160;Liquidity Risk</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Liquidity risk is the risk that unexpected timing
          or amounts of cash needed will require liquidation of assets in a market that will result in a realized loss or an inability to sell certain classes of assets such that an insurer will be unable to meet its obligations and contractual guarantees.
          Liquidity risk also includes the risk that in the event of a company liquidity crisis, refinancing is only possible at higher interest rates. Liquidity risk can be </font></div>
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                    <div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">18 of 42</font></div>
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        <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%">ALLIANZ LIFE INSURANCE COMPANY OF NEW YORK</font></div>
        <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">Notes to the Statutory Financial Statements</font></div>
        <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">(Dollars in thousands, except share data and security holdings quantities)</font></div>
        <div style="margin-bottom:3pt;text-align:center"><br>
          </div>
        <div style="text-align:center"><br>
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        <div style="margin-bottom:6pt;margin-top:6pt"><br>
          </div>
      </div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">affected by the maturity of liabilities, the
          presence of withdrawal penalties, the breadth of funding sources, and terms of funding sources. It can also be affected by counterparty collateral triggers as well as whether anticipated liquidity sources, such as credit agreements, are
          cancelable. </font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company manages liquidity within four specific
          domains: (1) monitoring product development, product management, business operations, and the investment portfolio; (2) setting ALM strategies; (3) managing the cash requirements stemming from the Company&#8217;s derivative dynamic economic hedging
          activities; and (4) establishing a liquidity facility with Allianz Life to provide additional liquidity. The Company has established liquidity risk limits, which are approved by the Company&#8217;s Risk Committee, and the Company monitors its liquidity
          risk regularly.</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">(d)&#160;&#160;&#160;&#160;Interest Rate Risk</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Interest rate risk is the risk that movements in
          interest rates or interest rate volatility will cause a decrease in the value of an insurer&#8217;s assets relative to the value of its liabilities and/or an unfavorable change in prepayment activity resulting in compressed interest margins.</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company has an ALM strategy to align cash
          flows and duration of the investment portfolio with policyholder liability cash flows and duration. Allianz Life monitors the economic and accounting impacts of interest rate sensitivities on assets and liabilities on a consolidated basis
          regularly and on the Company's specific basis periodically.</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">(e)&#160;&#160;&#160;&#160;Equity Market Risk</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Equity market risk is the risk that movements in
          equity prices or equity volatility will cause a decrease in the value of an insurer&#8217;s assets relative to the value of its liabilities. </font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Variable annuity products guarantee minimum
          payments regardless of market movements. The Company has adopted an economic hedging program to manage the equity risk of these products. </font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Allianz Life monitors the impacts of equity
          sensitivities on assets and liabilities on a consolidated basis regularly and on the Company&#8217;s specific basis periodically.</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Basis risk is the risk that variable annuity hedge
          asset values change unexpectedly relative to the value of the underlying separate account funds of the variable annuity contracts. Basis risk may arise from the Company&#8217;s inability to directly hedge the underlying investment options of the
          variable annuity contracts. The Company regularly reviews and synchronizes fund mappings, product design features, hedge design, and manages funds line-up.</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify;text-indent:-27pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">(f)&#160;&#160;&#160;&#160;Operational
          Risk</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Operational risk is the risk of loss resulting
          from inadequate or failed internal processes and systems, from human misbehavior or error, or from external events. Operational risk is comprised of the following seven risk categories: (1) external fraud; (2) internal fraud; (3) employment
          practices and workplace safety; (4) clients/third-party, products and business practices; (5) damage to physical assets; (6) business disruption and system failure; and (7) execution, delivery, and process management. Operational risk is
          comprehensively managed through a combination of core qualitative and quantitative activities. </font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Operational Risk Management framework includes
          the following key activities: (1) an Operational Risk Capital Model covering all material types of operational risks, under which the Company quantifies and regularly monitors operational risk; (2) loss data capture to create transparency and
          gather information about losses that meet a designated threshold. Business owners are required to identify and resolve the root cause of operational loss events; and (3) an integrated risk and control system, a bottom-up risk assessment process
          for significant operational risk scenarios, to proactively manage significant operational risk scenarios throughout the organization. </font></div>
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                    <div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">19 of 42</font></div>
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        <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%">ALLIANZ LIFE INSURANCE COMPANY OF NEW YORK</font></div>
        <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">Notes to the Statutory Financial Statements</font></div>
        <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">(Dollars in thousands, except share data and security holdings quantities)</font></div>
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      <div style="margin-bottom:6pt;padding-left:54pt;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">(g)&#160;&#160;&#160;&#160;Regulatory Change Risk</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Regulatory change risk is the risk that regulatory
          changes and imposed regulation may materially impact the Company's business model, sales levels, company financials and ability to effectively comply with regulations. </font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company actively monitors all regulatory
          changes and participates in national and international discussions relating to legal, regulatory, and accounting changes. The Company maintains active membership with various professional and industry trade organizations. A formal process exists
          to review, analyze, and implement new legislation as it is enacted. </font></div>
      <div style="margin-bottom:6pt;padding-left:54pt;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">(h)&#160;&#160;&#160;&#160;Rating Agency Risk</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Rating agency risk is the risk that rating
          agencies change their outlook or rating of the Company. The rating agencies generally utilize proprietary capital adequacy models in the process of establishing ratings for the Company. The Company is at risk of changes in these models and the
          impact that changes in the underlying business that it is engaged in can have on such models. To mitigate this risk, the Company maintains regular communications with the rating agencies and evaluates the impact of significant transactions on
          such capital adequacy models and considers the same in the design of transactions to minimize the adverse impact of this risk. Rating agency risk is also addressed in the TRA process and on an ad hoc basis as necessary.</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">(i)&#160;&#160;&#160;&#160;Mortality/Longevity Risk</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Mortality/longevity risk is the risk that
          mortality experience is different than the life expectancy assumptions used by the Company to price its products. </font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company mitigates mortality risk primarily
          through reinsurance, whereby the Company cedes a significant portion of its mortality risk to third parties. The Company also manages mortality risk through the underwriting process. Both mortality and longevity risks are managed through the
          review of life expectancy assumptions and experience in conjunction with active product management. </font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">(j)&#160;&#160;&#160;&#160;Lapse Risk</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Lapse risk is the risk that actual lapse
          experience evolves differently than the assumptions used for pricing and valuation exercises leading to a significant loss in Company value and/or income. </font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company mitigates this risk by performing
          sensitivity analysis at the time of pricing to affect product design, adding Market Value Adjustments and surrender charges when appropriate, regular ALM analysis, and exercising management levers at issue, as well as post-issue as experience
          evolves. Policyholder experience is monitored regularly.</font></div>
      <div style="margin-bottom:6pt;padding-left:54pt;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">(k)&#160;&#160;&#160;&#160;Cyber Security Risk</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Cyber security risk is the risk of losses due to
          external and/or internal attacks impacting the confidentiality, integrity, and/or availability of key systems, data, and processes reliant on digital technology. The Company has implemented preventative, detective, response, and recovery measures
          including firewalls, intrusion detection and prevention, advanced malware detection, spyware and anti-virus software, email protection, network and laptop encryption, web content filtering, web application firewalls, and regular scanning of all
          servers and network devices to identify vulnerabilities. Controls are implemented to prevent and review unauthorized access. </font></div>
      <div style="margin-bottom:6pt;padding-left:54pt;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">(l)&#160;&#160;&#160;&#160;Reinsurance Risk</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Reinsurance risk is the risk that reinsurance
          companies default on their obligation where the Company has ceded a portion of its insurance risk. The Company uses reinsurance to limit its risk exposure to certain business lines and to enable better capital management. </font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Reinsurance contracts do not relieve the Company
          from its obligations to policyholders. Failure of reinsurers to honor their obligations could result in losses to the Company. </font></div>
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        <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%">ALLIANZ LIFE INSURANCE COMPANY OF NEW YORK</font></div>
        <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">Notes to the Statutory Financial Statements</font></div>
        <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">(Dollars in thousands, except share data and security holdings quantities)</font></div>
        <div style="margin-bottom:3pt;text-align:center"><br>
          </div>
        <div style="text-align:center"><br>
          </div>
        <div style="margin-bottom:6pt;margin-top:6pt"><br>
          </div>
      </div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company mitigates this risk by requiring
          certain counterparties to post collateral to cover the exposure and to meet thresholds related to the counterparty&#8217;s credit rating, exposure, or other factors. For counterparties that are not initially required to post collateral, if the
          thresholds are not met by those counterparties, they are required to establish a trust or letter of credit backed by assets meeting certain quality criteria. All arrangements are regularly monitored to determine whether trusts or letters of
          credit are sufficient to support the ceded liabilities and that their terms are being met. In addition, the Company reviews the financial standings and ratings of its reinsurance counterparties and monitors concentrations of credit risk to
          minimize its exposure to significant losses from reinsurer insolvencies regularly.</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">(5)&#160;&#160;&#160;&#160;Investments</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-indent:-27pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">(a)&#160;&#160;&#160;&#160;Bonds and Other Assets
          Receiving Bond Treatment</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">At December&#160;31, the amortized cost, gross
          unrealized gains, gross unrealized losses, and fair values of investments are shown below: &#160;&#160;&#160;&#160;</font></div>
      <div style="margin-top:5pt;padding-left:54pt;text-align:justify">
        <table id="z9611cdaf44dd407485c2f7d9a015ab7d" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:89.189%">

            <tr>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:38.630%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.641%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:13.041%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.641%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:13.209%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.641%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:13.041%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.641%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:13.215%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
            </tr>
            <tr>
              <td style="padding:0 1pt" colspan="3"><br>
              </td>
              <td style="padding:0 1pt" colspan="3"><br>
              </td>
              <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="21"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2021</font></td>
            </tr>
            <tr>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Amortized cost</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Gross unrealized gains</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Gross unrealized losses</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Fair value</font></td>
            </tr>
            <tr>
              <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Bonds:</font></td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">U.S.
                  government</font></td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
              <td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">78,869&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">864&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1,274&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">78,459&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">States and
                  political subdivisions</font></td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">6,921&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">975&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">7,896&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
            </tr>
            <tr>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Corporate
                  securities</font></td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">372,767&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">34,113&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1,954&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">404,926&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Mortgage-backed
                  securities</font></td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">121,557&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">4,598&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">954&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">125,201&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 48.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Total</font></td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
              <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">580,114&#160;</font></td>
              <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">40,550&#160;</font></td>
              <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">4,182&#160;</font></td>
              <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">616,482&#160;</font></td>
              <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>

        </table>
      </div>
      <div style="padding-left:54pt;text-align:justify">
        <table id="zc9d8d80ae38640379029e92a67a03dde" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:89.189%">

            <tr>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:38.630%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.641%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:13.041%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.641%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:13.209%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.641%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:13.041%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.641%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:13.215%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
            </tr>
            <tr>
              <td style="padding:0 1pt" colspan="3"><br>
              </td>
              <td style="padding:0 1pt" colspan="3"><br>
              </td>
              <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="21"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2020</font></td>
            </tr>
            <tr>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Amortized cost</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Gross unrealized gains</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Gross unrealized losses</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Fair value</font></td>
            </tr>
            <tr>
              <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Bonds:</font></td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">U.S.
                  government</font></td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
              <td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">100,155&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2,304&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">352&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">102,107&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">States and
                  political subdivisions</font></td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">7,010&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1,299&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">8,309&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
            </tr>
            <tr>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Corporate
                  securities</font></td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">323,878&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">47,863&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">371,741&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Mortgage-backed
                  securities</font></td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">141,752&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">9,198&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">150,950&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 48.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Total</font></td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
              <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">572,795&#160;</font></td>
              <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">60,664&#160;</font></td>
              <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">352&#160;</font></td>
              <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">633,107&#160;</font></td>
              <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>

        </table>
      </div>
      <div style="margin-bottom:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">At December&#160;31, 2021 and 2020, the Company did not have NAIC-6
          rated bonds. </font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">At December&#160;31, 2021 and 2020, the Company did not
          have any hybrid securities. </font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">As of December&#160;31, 2021 and 2020, investments with
          a statement value of $1,656 and $1,662, respectively were held on deposit as required by statutory regulations. </font></div>
      <div style="height:58.5pt;position:relative;width:100%">
        <div style="bottom:0;position:absolute;width:100%">
          <div style="margin-bottom:6pt;margin-top:6pt;text-align:center">
            <table id="z55749cc2cc714f94bd222fbeea0ccf4f" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:96.929%">

                <tr>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:32.233%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:32.233%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:32.234%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                </tr>
                <tr>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
                    <div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">21 of 42</font></div>
                    <div><br>
                      </div>
                  </td>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                </tr>

            </table>
            <font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;</font></div>
        </div>
      </div>
      <hr style="page-break-after:always">
      <div style="min-height:108pt;width:100%">
        <div style="margin-bottom:3pt;text-align:center"><br>
          </div>
        <div style="margin-bottom:3pt;text-align:center"><br>
          </div>
        <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%">ALLIANZ LIFE INSURANCE COMPANY OF NEW YORK</font></div>
        <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">Notes to the Statutory Financial Statements</font></div>
        <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">(Dollars in thousands, except share data and security holdings quantities)</font></div>
        <div style="margin-bottom:3pt;text-align:center"><br>
          </div>
        <div style="text-align:center"><br>
          </div>
        <div style="margin-bottom:6pt;margin-top:6pt"><br>
          </div>
      </div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The amortized cost and fair value of bonds and
          other assets receiving bond treatment reported in the statutory Annual Statement Schedule D Part 1A at December&#160;31, 2021, by contractual maturity, are shown below:</font></div>
      <div style="margin-top:5pt;padding-left:54pt">
        <table id="z194b205d0d1a494d9be5fbd5ec7be9f5" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:88.888%">

            <tr>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:57.683%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.644%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:18.663%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.644%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:18.666%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
            </tr>
            <tr>
              <td style="padding:0 1pt" colspan="3"><br>
              </td>
              <td style="padding:0 1pt" colspan="3"><br>
              </td>
              <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Amortized cost</font></td>
              <td style="padding:0 1pt" colspan="3"><br>
              </td>
              <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Fair value</font></td>
            </tr>
            <tr>
              <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Due in 1 year or less</font></td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">31,689&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">32,101&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Due after 1 year
                  through 5 years</font></td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">144,049&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">149,984&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Due after 5 years
                  through 10 years</font></td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">160,177&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">163,872&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Due after 10 years
                  through 20 years</font></td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">89,860&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">107,745&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Due after 20 years</font></td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">32,782&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">37,579&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Loan-backed and other
                  structured securities</font></td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">121,557&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">125,201&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#160;&#160;&#160;&#160;&#160;&#160;&#160;Total
                  bonds and other assets receiving bond treatment</font></td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
              <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">580,114&#160;</font></td>
              <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">616,482&#160;</font></td>
              <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>

        </table>
      </div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Expected maturities will differ from contractual
          maturities, because borrowers may have the right to call or prepay obligations with or without call or prepayment penalties.</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Proceeds from sales of bonds includes sales,
          maturities, paydowns, and other redemptions of bonds and other assets receiving bond treatment. Proceeds from sales of bonds for the years ended December 31 are shown below: </font></div>
      <div style="margin-top:5pt;padding-left:54pt">
        <table id="zfb44fb404d674974b5cae3f84d2f0056" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:89.039%">

            <tr>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:50.333%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.643%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:14.245%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.643%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:14.245%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.643%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:14.248%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
            </tr>
            <tr>
              <td style="padding:0 1pt" colspan="3"><br>
              </td>
              <td style="padding:0 1pt" colspan="3"><br>
              </td>
              <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2021</font></td>
              <td style="padding:0 1pt" colspan="3"><br>
              </td>
              <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2020</font></td>
              <td style="padding:0 1pt" colspan="3"><br>
              </td>
              <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2019</font></td>
            </tr>
            <tr>
              <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Proceeds from sales</font></td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">82,882&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">152,052&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">149,505&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Gross gains</font></td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">82&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1,883&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1,314&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Gross losses</font></td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">80&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">297&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">481&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>

        </table>
      </div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">For the years ended December&#160;31, 2021 and 2020,
          there were 9 and 15 CUSIPs sold, disposed, or otherwise redeemed as a result of a callable feature, respectively. The aggregate amount of investment income generated as a result of these transactions was $1,027 and $735 for 2021 and 2020,
          respectively.</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company&#8217;s bond portfolio includes
          mortgage-backed securities. Due to the high quality of these investments and the lack of subprime loans within the securities, the Company does not have a material exposure to subprime mortgages.</font></div>
      <div style="margin-bottom:6pt;padding-left:54pt;text-indent:-27pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">(b)&#160;&#160;&#160;&#160;Unrealized Investment Losses</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">To determine whether or not declines in fair value
          are other than temporary, Allianz Life performs a quarterly review of its entire combined investment portfolio, including the Company as their subsidiary, using quoted market prices by third-party sources. For further discussion, see Notes 2 and
          6.</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Unrealized losses and the related fair value of
          investments held by the Company for the years ended December 31 are shown below: </font></div>
      <div style="margin-top:5pt;padding-left:54pt">
        <table id="z609afa6a3a394104acd610626ec62738" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:88.888%">

            <tr>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:29.812%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:9.710%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.644%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:9.710%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.644%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:9.710%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.644%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:9.710%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.644%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:9.710%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.644%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:9.718%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
            </tr>
            <tr>
              <td style="padding:0 1pt" colspan="3"><br>
              </td>
              <td style="border-bottom:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="33"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2021</font></td>
            </tr>
            <tr>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="9"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">12 months or less</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="9"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Greater than 12 months</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="9"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Total</font></td>
            </tr>
            <tr>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Fair value</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Unrealized losses</font></td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Fair value</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Unrealized losses</font></td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Fair value</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Unrealized losses</font></td>
            </tr>
            <tr>
              <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Bonds:</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">U.S.
                  government</font></td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</font></td>
              <td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">14,972&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">71&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">19,058&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,203&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">34,030&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,274&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
            </tr>
            <tr>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Corporate
                  securities</font></td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">71,212&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,954&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">71,212&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,954&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Mortgage-backed
                  securities</font></td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">23,502&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">954&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">23,502&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">954&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 21.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total
                  temporarily impaired securities</font></td>
              <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</font></td>
              <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">109,686&#160;</font></td>
              <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,979&#160;</font></td>
              <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">19,058&#160;</font></td>
              <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,203&#160;</font></td>
              <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">128,744&#160;</font></td>
              <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,182&#160;</font></td>
              <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>

        </table>
      </div>
      <div style="height:58.5pt;position:relative;width:100%">
        <div style="bottom:0;position:absolute;width:100%">
          <div style="margin-bottom:6pt;margin-top:6pt;text-align:center">
            <table id="zc970432beb5e4ff6912f51f022ec6a71" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:96.929%">

                <tr>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:32.233%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:32.233%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:32.234%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                </tr>
                <tr>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
                    <div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">22 of 42</font></div>
                    <div><br>
                      </div>
                  </td>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                </tr>

            </table>
            <font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;</font></div>
        </div>
      </div>
      <hr style="page-break-after:always">
      <div style="min-height:108pt;width:100%">
        <div style="margin-bottom:3pt;text-align:center"><br>
          </div>
        <div style="margin-bottom:3pt;text-align:center"><br>
          </div>
        <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%">ALLIANZ LIFE INSURANCE COMPANY OF NEW YORK</font></div>
        <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">Notes to the Statutory Financial Statements</font></div>
        <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">(Dollars in thousands, except share data and security holdings quantities)</font></div>
        <div style="margin-bottom:3pt;text-align:center"><br>
          </div>
        <div style="text-align:center"><br>
          </div>
        <div style="margin-bottom:6pt;margin-top:6pt"><br>
          </div>
      </div>
      <div style="padding-left:54pt">
        <table id="z5214277386bc4453971d6b37510b5b2a" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:88.888%">

            <tr>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:29.812%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:9.710%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.644%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:9.710%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.644%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:9.710%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.644%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:9.710%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.644%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:9.710%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.644%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:9.718%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
            </tr>
            <tr>
              <td style="padding:0 1pt" colspan="3"><br>
              </td>
              <td style="border-bottom:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="33"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2020</font></td>
            </tr>
            <tr>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="9"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">12 months or less</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="9"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Greater than 12 months</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="9"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Total</font></td>
            </tr>
            <tr>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Fair value</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Unrealized losses</font></td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Fair value</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Unrealized losses</font></td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Fair value</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Unrealized losses</font></td>
            </tr>
            <tr>
              <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Bonds:</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">U.S.
                  government</font></td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</font></td>
              <td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">19,941&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">352&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">19,941&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">352&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
            </tr>
            <tr>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Corporate
                  securities</font></td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,000&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,000&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
            </tr>
            <tr>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 21.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total
                  temporarily impaired securities</font></td>
              <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</font></td>
              <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">23,941&#160;</font></td>
              <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">352&#160;</font></td>
              <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">23,941&#160;</font></td>
              <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">352&#160;</font></td>
              <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>

        </table>
      </div>
      <div style="margin-bottom:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">As of December&#160;31, 2021 and 2020, the number of bonds that were
          in an unrealized loss position was 45 and 4, respectively.</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">As of December&#160;31, 2021 and 2020, of the total
          amount of unrealized losses, $4,174, or 99.8%, and $352, or 100.0%, respectively, are related to unrealized losses on investment grade securities. Investment grade is defined as a security having an NAIC SVO credit rating of 1 or 2. Unrealized
          losses on securities are principally related to changes in interest rates or changes in sector spreads from the date of purchase. As contractual payments continue to be met, management continues to expect all contractual cash flows to be received
          and does not consider these investments to be other-than-temporarily impaired. </font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-indent:-27pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">(c)&#160;&#160;&#160;&#160;Realized Investment Gains
          (Losses)</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Net realized capital gains (losses) for the years
          ended December&#160;31 are shown below: </font></div>
      <div style="margin-top:5pt;padding-left:54pt">
        <table id="z46924afe182c497f9d0c17229aa63641" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:88.738%">

            <tr>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:53.214%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.646%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:13.959%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.646%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:13.282%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.646%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:12.607%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
            </tr>
            <tr>
              <td style="padding:0 1pt" colspan="3"><br>
              </td>
              <td style="padding:0 1pt" colspan="3"><br>
              </td>
              <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2021</font></td>
              <td style="padding:0 1pt" colspan="3"><br>
              </td>
              <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2020</font></td>
              <td style="padding:0 1pt" colspan="3"><br>
              </td>
              <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2019</font></td>
            </tr>
            <tr>
              <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Bonds</font></td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">101&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">784&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Derivatives</font></td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(60,008)</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(40,495)</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(70,151)</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Other</font></td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">64&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">45&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">4&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 25.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Total
                  realized capital losses</font></td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(59,942)</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(40,349)</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(69,363)</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Income tax (expense)
                  benefit on net realized losses</font></td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(20)</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(652)</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(118)</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 25.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Total
                  realized capital losses, net of taxes</font></td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(59,962)</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(41,001)</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(69,481)</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Net (losses) gains
                  transferred to IMR, net of taxes</font></td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(5)</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">219&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">614&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 25.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Net
                  realized (losses) gains, net of taxes and IMR</font></td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
              <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(59,957)</font></td>
              <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(41,220)</font></td>
              <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(70,095)</font></td>
              <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>

        </table>
      </div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-indent:-27pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">(d)&#160;&#160;&#160;&#160;Net Investment Income</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Major categories of net investment income for the
          years ended December&#160;31 are shown below:</font></div>
      <div style="margin-top:5pt;padding-left:54pt">
        <table id="z2caf35bb69454792a1a9390b3b53a35f" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:90.540%">

            <tr>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:53.294%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.629%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:13.659%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.629%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:12.830%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.629%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:13.330%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
            </tr>
            <tr>
              <td style="padding:0 1pt" colspan="3"><br>
              </td>
              <td style="padding:0 1pt" colspan="3"><br>
              </td>
              <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2021</font></td>
              <td style="padding:0 1pt" colspan="3"><br>
              </td>
              <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2020</font></td>
              <td style="padding:0 1pt" colspan="3"><br>
              </td>
              <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2019</font></td>
            </tr>
            <tr>
              <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Interest:</font></td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Bonds</font></td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
              <td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">19,345&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">20,529&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">21,636&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Policy
                  loans</font></td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">7&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">9&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">13&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Cash, cash
                  equivalents, and short-term investments</font></td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">245&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">686&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Derivatives</font></td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(1)</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(11)</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Other</font></td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">119&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">59&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">52&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 25.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Gross
                  investment income</font></td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">19,472&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">20,831&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">22,387&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Investment expenses</font></td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(1,579)</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(1,239)</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(974)</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 34.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Net
                  investment income before amortization of IMR</font></td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">17,893&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">19,592&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">21,413&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Amortization of IMR</font></td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(1,716)</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(1,564)</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(1,547)</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 25.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Net
                  investment income</font></td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
              <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">16,177&#160;</font></td>
              <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">18,028&#160;</font></td>
              <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">19,866&#160;</font></td>
              <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>

        </table>
      </div>
      <div style="height:58.5pt;position:relative;width:100%">
        <div style="bottom:0;position:absolute;width:100%">
          <div style="margin-bottom:6pt;margin-top:6pt;text-align:center">
            <table id="z0b9751ebc1b246f8aad19875e04a7361" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:96.929%">

                <tr>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:32.233%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:32.233%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:32.234%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                </tr>
                <tr>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
                    <div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">23 of 42</font></div>
                    <div><br>
                      </div>
                  </td>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                </tr>

            </table>
            <font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;</font></div>
        </div>
      </div>
      <hr style="page-break-after:always">
      <div style="min-height:108pt;width:100%">
        <div style="margin-bottom:3pt;text-align:center"><br>
          </div>
        <div style="margin-bottom:3pt;text-align:center"><br>
          </div>
        <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%">ALLIANZ LIFE INSURANCE COMPANY OF NEW YORK</font></div>
        <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">Notes to the Statutory Financial Statements</font></div>
        <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">(Dollars in thousands, except share data and security holdings quantities)</font></div>
        <div style="margin-bottom:3pt;text-align:center"><br>
          </div>
        <div style="text-align:center"><br>
          </div>
        <div style="margin-bottom:6pt;margin-top:6pt"><br>
          </div>
      </div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-indent:-27pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">(e)&#160;&#160;&#160;&#160;Loan-Backed Securities</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">SSAP No.&#160;43R requires the bifurcation of
          impairment losses on loan-backed or structured securities into interest and noninterest-related portions. The noninterest portion is the difference between the present value of cash flows expected to be collected from the security and the
          amortized cost basis of the security. The interest portion is the difference between the present value of cash flows expected to be collected from the security and its fair value at the balance sheet date.</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company had no loan-backed securities with a
          recognized OTTI for the years ended December&#160;31, 2021 and 2020.</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-indent:-27pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">(f)&#160;&#160;&#160;&#160;Derivatives and Hedging
          Instruments </font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company does not have derivative contracts
          with financing premium. Derivatives held by the Company do not qualify for hedge accounting treatment. </font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Futures and Options Contracts</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">OTC options are cleared through the Options
          Clearing Corporation, which operates under the jurisdiction of both the Securities and Exchange Commission (SEC) and the Commodities Futures Trading Commission. The fair values of the collateral posted for futures and OTC options are discussed in
          the derivative collateral management section below. </font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Total Return Swaps</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company engages in the use of OTC TRS, </font><font style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">which allow the parties to exchange cash flows based on a variable reference rate such as the three-month
          LIBOR and the return of an underlying index. </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The fair value of the collateral posted for OTC TRS is discussed in the
          derivative collateral management section below.</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following table presents a summary of the
          aggregate notional amounts and fair values of the Company&#8217;s derivative instruments reported on the Statutory Statements of Admitted Assets, Liabilities, and Capital and Surplus as of December 31: </font></div>
      <div style="margin-top:5pt;padding-left:54pt">
        <table id="zaf4de170458a49ffb65b32726eae5128" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:89.039%">

            <tr>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:26.050%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.643%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:10.198%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.643%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:10.198%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.643%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:10.198%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.643%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:10.198%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.643%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:10.198%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.643%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:10.202%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
            </tr>
            <tr>
              <td style="padding:0 1pt" colspan="3"><br>
              </td>
              <td style="padding:0 1pt" colspan="3"><br>
              </td>
              <td style="border-bottom:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="15"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2021</font></td>
              <td style="padding:0 1pt" colspan="3"><br>
              </td>
              <td style="border-bottom:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="15"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2020</font></td>
            </tr>
            <tr>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="9"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Gross Fair Value</font></td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="9"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Gross Fair Value</font></td>
            </tr>
            <tr>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
                <div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Notional </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:700;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(1)</font></div>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Assets</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Liabilities</font></td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
                <div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Notional </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:700;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(1)</font></div>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Assets</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Liabilities</font></td>
            </tr>
            <tr>
              <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">OTC options</font></td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,006&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">700&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,667&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">341&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
            </tr>
            <tr>
              <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Futures</font></td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">200,470&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">231,731&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">TRS</font></td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,000&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,000&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 22pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total
                  derivative instruments</font></td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">700&#160;</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">341&#160;</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr style="height:11pt">
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:3pt double #000000;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:3pt double #000000;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:3pt double #000000;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:3pt double #000000;padding:0 1pt" colspan="3"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="39">
                <div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(1)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> Notional amounts are presented on an absolute basis.</font></div>
              </td>
            </tr>

        </table>
      </div>
      <div style="margin-top:3pt;padding-left:54pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Derivative Collateral Management</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company manages derivative collateral for the
          general account and separate account combined and separate collateral for exchange-traded and OTC derivatives. The total collateral posted for exchange-traded derivatives at December&#160;31, 2021 and 2020, had a fair value of $29,931 and $49,781,
          respectively, and is included in Bonds on the Statutory Statements of Admitted Assets, Liabilities, and Capital and Surplus and recorded at amortized cost. The Company retains ownership of the exchange-traded collateral, but the collateral
          resides in an account designated by the exchange. The collateral is subject to specific exchange rules regarding rehypothecation. The Company had no collateral posted for OTC derivatives as of December&#160;31, 2021 and 2020. The Company posts
          collateral to OTC counterparties based upon exposure amounts. The Company retains ownership of the OTC collateral.</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-indent:-27pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">(g)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Offsetting Assets and Liabilities</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company elects to disclose derivative assets
          and liabilities eligible for offset under SSAP No.&#160;64 &#8211; </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Offsetting and Netting of Assets and
          Liabilities</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> on a gross basis on the Statutory Statements of Admitted </font></div>
      <div style="height:58.5pt;position:relative;width:100%">
        <div style="bottom:0;position:absolute;width:100%">
          <div style="margin-bottom:6pt;margin-top:6pt;text-align:center">
            <table id="z7a7e3523d4214526a2b5e2bea830a1e7" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:96.929%">

                <tr>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:32.233%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:32.233%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:32.234%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                </tr>
                <tr>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
                    <div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">24 of 42</font></div>
                    <div><br>
                      </div>
                  </td>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                </tr>

            </table>
            <font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;</font></div>
        </div>
      </div>
      <hr style="page-break-after:always">
      <div style="min-height:108pt;width:100%">
        <div style="margin-bottom:3pt;text-align:center"><br>
          </div>
        <div style="margin-bottom:3pt;text-align:center"><br>
          </div>
        <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%">ALLIANZ LIFE INSURANCE COMPANY OF NEW YORK</font></div>
        <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">Notes to the Statutory Financial Statements</font></div>
        <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">(Dollars in thousands, except share data and security holdings quantities)</font></div>
        <div style="margin-bottom:3pt;text-align:center"><br>
          </div>
        <div style="text-align:center"><br>
          </div>
        <div style="margin-bottom:6pt;margin-top:6pt"><br>
          </div>
      </div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Assets, Liabilities, and Capital and Surplus in
          accordance with the provisions set forth in SSAP No.&#160;86. This treatment is consistent with the Company&#8217;s historical reporting presentation.</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-indent:-27pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">(h)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Restricted Assets</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">As of December&#160;31, 2021, the Company had the following restricted
          assets, including assets pledged to others as collateral:</font></div>
      <div style="margin-top:5pt;padding-left:54pt">
        <table id="zbb1229abd5104ca7a32a8887b19fc5d5" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:88.588%">

            <tr>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:23.984%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.647%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:9.916%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.647%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:9.747%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.647%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:9.747%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.647%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:11.272%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.647%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:11.103%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.986%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:11.110%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
            </tr>
            <tr>
              <td style="padding:0 1pt" colspan="3"><br>
              </td>
              <td style="padding:0 1pt" colspan="3"><br>
              </td>
              <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="9"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Gross Restricted</font></td>
              <td style="padding:0 1pt" colspan="3"><br>
              </td>
              <td style="padding:0 1pt" colspan="3"><br>
              </td>
              <td style="padding:0 1pt" colspan="3"><br>
              </td>
              <td style="padding:0 1pt" colspan="3"><br>
              </td>
              <td style="padding:0 1pt" colspan="3"><br>
              </td>
              <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="9"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Percentage</font></td>
            </tr>
            <tr>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Total general account</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Total from prior year</font></td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Increase (decrease)</font></td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Total current year
                  admitted restricted</font></td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Gross restricted to total assets</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Admitted restricted to total admitted assets</font></td>
            </tr>
            <tr>
              <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">On deposit with states</font></td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,656&#160;</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,662&#160;</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(6)</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,656&#160;</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</font></td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</font></td>
            </tr>
            <tr>
              <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Derivative collateral</font></td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">29,429&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">48,071&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(18,642)</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">29,429&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.6&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.6&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 30.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total
                  restricted assets</font></td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</font></td>
              <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">31,085&#160;</font></td>
              <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">49,733&#160;</font></td>
              <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(18,648)</font></td>
              <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">31,086&#160;</font></td>
              <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.6&#160;</font></td>
              <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</font></td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.6&#160;</font></td>
              <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</font></td>
            </tr>

        </table>
      </div>
      <div style="margin-bottom:6pt;margin-top:6pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">(6)&#160;&#160;&#160;&#160;Fair Value Measurements</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">SSAP No. 100R &#8211; </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Fair Value</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> establishes a fair value hierarchy that prioritizes the inputs used in the valuation techniques to measure fair value.</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:81pt;text-align:justify;text-indent:-51.75pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Level&#160;1 &#8211; &#160;&#160;&#160;&#160;Unadjusted
          quoted prices for identical assets or liabilities in active markets that the Company has the ability to access at the measurement date.</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:81pt;text-align:justify;text-indent:-51.75pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Level&#160;2 &#8211; &#160;&#160;&#160;&#160;Valuations
          derived from techniques that utilize observable inputs, other than quoted prices included in Level&#160;1, which are observable for the asset or liability either directly or indirectly, such as: </font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:108pt;text-align:justify;text-indent:-27pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">(a)&#160;&#160;&#160;&#160;Quoted prices for
          similar assets or liabilities in active markets. </font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:108pt;text-align:justify;text-indent:-27pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">(b)&#160;&#160;&#160;&#160;Quoted prices for
          identical or similar assets or liabilities in markets that are not active. </font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:108pt;text-align:justify;text-indent:-27pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">(c)&#160;&#160;&#160;&#160;Inputs other than quoted
          prices that are observable. </font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:108pt;text-align:justify;text-indent:-27pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">(d)&#160;&#160;&#160;&#160;Inputs that are derived
          principally from or corroborated by observable market data by correlation or other means. </font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:81pt;text-align:justify;text-indent:-54pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Level&#160;3 &#8211; &#160;&#160;&#160;&#160;Valuations derived
          from techniques in which the significant inputs are unobservable. Level&#160;3 fair values reflect the Company&#8217;s own assumptions about the assumptions that market participants would use in pricing the asset or liability (including assumptions about
          risk).</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company has analyzed the valuation techniques
          and related inputs, evaluated its assets and liabilities reported at fair value, and determined an appropriate fair value hierarchy level based upon trading activity and the observability of market inputs. Based on the results of this evaluation
          and investment class analysis, each financial asset and liability was classified into Level&#160;1, 2, or 3.</font></div>
      <div style="height:58.5pt;position:relative;width:100%">
        <div style="bottom:0;position:absolute;width:100%">
          <div style="margin-bottom:6pt;margin-top:6pt;text-align:center">
            <table id="z6f9917ef5415474cb8cf99fa09cf0512" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:96.929%">

                <tr>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:32.233%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:32.233%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:32.234%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                </tr>
                <tr>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
                    <div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">25 of 42</font></div>
                    <div><br>
                      </div>
                  </td>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                </tr>

            </table>
            <font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;</font></div>
        </div>
      </div>
      <hr style="page-break-after:always">
      <div style="min-height:108pt;width:100%">
        <div style="margin-bottom:3pt;text-align:center"><br>
          </div>
        <div style="margin-bottom:3pt;text-align:center"><br>
          </div>
        <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%">ALLIANZ LIFE INSURANCE COMPANY OF NEW YORK</font></div>
        <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">Notes to the Statutory Financial Statements</font></div>
        <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">(Dollars in thousands, except share data and security holdings quantities)</font></div>
        <div style="margin-bottom:3pt;text-align:center"><br>
          </div>
        <div style="text-align:center"><br>
          </div>
        <div style="margin-bottom:6pt;margin-top:6pt"><br>
          </div>
      </div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following presents the assets and liabilities
          measured at fair value on a recurring basis and their corresponding level in the fair value hierarchy at December&#160;31: </font></div>
      <div style="margin-top:5pt;padding-left:27pt">
        <table id="z9d3c83669b6c4b10b257fa37c308c078" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:94.444%">

            <tr>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:27.675%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.594%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:15.911%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.594%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:15.911%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.594%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:15.911%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.594%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:15.916%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
            </tr>
            <tr>
              <td style="padding:0 1pt" colspan="3"><br>
              </td>
              <td style="padding:0 1pt" colspan="3"><br>
              </td>
              <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="21"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2021</font></td>
            </tr>
            <tr>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Level 1</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
                <div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Level 2 </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:6.5pt;font-weight:700;line-height:100%;position:relative;top:-3.5pt;vertical-align:baseline">(a)</font></div>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Level 3</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Total</font></td>
            </tr>
            <tr>
              <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:100%">Assets
                  at fair value</font></td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Derivative
                  assets</font></td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
              <td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">700&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">700&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Separate
                  account assets</font></td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2,330,868&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">244,061&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2,574,929&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 28pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Total assets
                  reported at fair value</font></td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2,330,868&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">244,761&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2,575,629&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:100%">Liabilities
                  at fair value</font></td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-top:3pt double #000000;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-top:3pt double #000000;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-top:3pt double #000000;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-top:3pt double #000000;padding:0 1pt" colspan="3"><br>
              </td>
            </tr>
            <tr>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
            </tr>
            <tr>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 16.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Separate
                  account derivative liabilities</font></td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">108,584&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">108,584&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 28pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Total
                  liabilities reported at fair value</font></td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">108,584&#160;</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">108,584&#160;</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr style="height:9pt">
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:3pt double #000000;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:3pt double #000000;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:3pt double #000000;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:3pt double #000000;padding:0 1pt" colspan="3"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="27">
                <div style="padding-left:9pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:6.5pt;font-weight:400;line-height:100%;position:relative;top:-3.5pt;vertical-align:baseline">(a)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%"> The Company does not have any assets or liabilities measured at net asset value (NAV) that are included in Level 2 within
                    this table.</font></div>
              </td>
            </tr>

        </table>
      </div>
      <div style="padding-left:27pt">
        <table id="z2d2ac2f376ee4f4caaf2a2bed58183c4" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:94.444%">

            <tr>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:27.675%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.594%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:15.911%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.594%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:15.911%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.594%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:15.911%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.594%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:15.916%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
            </tr>
            <tr>
              <td style="padding:0 1pt" colspan="3"><br>
              </td>
              <td style="padding:0 1pt" colspan="3"><br>
              </td>
              <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="21"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2020</font></td>
            </tr>
            <tr>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Level 1</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
                <div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Level 2</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:6.5pt;font-weight:700;line-height:100%;position:relative;top:-3.5pt;vertical-align:baseline"> (a)</font></div>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Level 3</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Total</font></td>
            </tr>
            <tr>
              <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:100%">Assets
                  at fair value</font></td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Derivative
                  assets</font></td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
              <td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">341&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">341&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Separate
                  account assets</font></td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2,273,066&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">319,099&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2,592,165&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 28pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Total assets
                  reported at fair value</font></td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2,273,066&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">319,440&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2,592,506&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:100%">Liabilities
                  at fair value</font></td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-top:3pt double #000000;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-top:3pt double #000000;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-top:3pt double #000000;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-top:3pt double #000000;padding:0 1pt" colspan="3"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 16.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Separate
                  account derivative liabilities</font></td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">36,644&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">194,296&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">194,296&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 28pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Total
                  liabilities reported at fair value</font></td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">194,296&#160;</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">194,296&#160;</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr style="height:11pt">
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:3pt double #000000;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:3pt double #000000;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:3pt double #000000;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:3pt double #000000;padding:0 1pt" colspan="3"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="27">
                <div style="padding-left:9pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:6.5pt;font-weight:400;line-height:100%;position:relative;top:-3.5pt;vertical-align:baseline">(a)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%"> The Company does not have any assets or liabilities measured at NAV that are included in Level 2 within this table.</font></div>
              </td>
            </tr>

        </table>
      </div>
      <div style="margin-bottom:6pt;padding-left:27pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following is a discussion of the methodologies used to
          determine fair values for the assets and liabilities listed in the above table. These fair values represent an exit price (i.e., what a buyer in the marketplace would pay for an asset in a current sale or charge to transfer a liability). The
          Company has not made changes to valuation techniques in 2021. </font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-indent:-27pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">(a)&#160;&#160;&#160;&#160;Valuation of Derivatives</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The fair value of OTC option assets and
          liabilities are derived internally, by calculating their expected discounted cash flows, using a set of calibrated, risk-neutral stochastic scenarios, including a market data monitor, a market data model generator, a stochastic scenario
          calibrator, and the actual asset pricing calculator, because active markets do not exist. Options that are internally priced and IRS, foreign currency swaps, TBA securities, and CDS are included in Level&#160;2, because they use market observable
          inputs. The fair values of exchange-traded options and futures contracts are based on quoted market prices in active markets and are included in Level 1. The fair value of TRS is derived from external brokers and do not utilize market observable
          inputs and are included in Level 3.</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Certain derivatives are priced using external
          third-party vendors. The Company has controls in place to monitor the valuations of these derivatives. TRS prices are obtained from the respective counterparties. These prices are also internally recalculated and reviewed for reasonableness at
          the position level on a monthly basis. </font></div>
      <div style="height:58.5pt;position:relative;width:100%">
        <div style="bottom:0;position:absolute;width:100%">
          <div style="margin-bottom:6pt;margin-top:6pt;text-align:center">
            <table id="zdf5358dd1eca4f199467cc1b5c2be1ae" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:96.929%">

                <tr>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:32.233%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:32.233%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:32.234%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                </tr>
                <tr>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
                    <div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">26 of 42</font></div>
                    <div><br>
                      </div>
                  </td>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                </tr>

            </table>
            <font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;</font></div>
        </div>
      </div>
      <hr style="page-break-after:always">
      <div style="min-height:108pt;width:100%">
        <div style="margin-bottom:3pt;text-align:center"><br>
          </div>
        <div style="margin-bottom:3pt;text-align:center"><br>
          </div>
        <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%">ALLIANZ LIFE INSURANCE COMPANY OF NEW YORK</font></div>
        <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">Notes to the Statutory Financial Statements</font></div>
        <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">(Dollars in thousands, except share data and security holdings quantities)</font></div>
        <div style="margin-bottom:3pt;text-align:center"><br>
          </div>
        <div style="text-align:center"><br>
          </div>
        <div style="margin-bottom:6pt;margin-top:6pt"><br>
          </div>
      </div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company does not have insight into the
          specific inputs used by third-party vendors; however, the key unobservable input would generally include the spread. </font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-indent:-27pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">(b)&#160;&#160;&#160;&#160;Valuation of Separate
          Account Assets and Separate Account Derivative Liabilities</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Separate account assets and Separate account
          derivative liabilities, with the exception of certain bonds, cash, cash equivalents and investment income due and accrued, are carried at fair value, which is based on the fair value of the underlying assets which are described throughout this
          note. Funds in the separate accounts are primarily invested in variable investment option funds with the following investment types: bond, domestic equity, international equity, or specialty. Variable investment option funds are included in
          Level&#160;1 because their fair value is based on quoted prices in active, observable markets. The remaining investments are categorized similar to the investments held by the Company in the general account (e.g., if the separate account invested in
          bonds, short-term investments and derivatives, that portion could be classified within Level&#160;2 or Level&#160;3).</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%"> Certain b</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">onds, cash and cash equivalents, along with related accrued investment income and receivables, carried at amortized cost within the
          separate account have an amortized cost of $1,872,375 and $1,181,701 as of December&#160;31, 2021 and 2020, respectively, and a fair value of $1,899,039 and $1,267,749 as of December&#160;31, 2021 and 2020, respectively. Separate account assets carried at
          amortized cost are included in the table in section 6(g) below. </font></div>
      <div style="margin-bottom:6pt;padding-left:54pt;text-indent:-27pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">(c)&#160;&#160;&#160;&#160;Level&#160;3 Rollforward</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following table provides a reconciliation of
          the beginning and ending balances for the Company&#8217;s Level&#160;3 assets and liabilities measured at fair value on a recurring basis:</font></div>
      <div style="margin-top:5pt;padding-left:54pt">
        <table id="z39644b9c9b8f401f91fb1d189ccd06bb" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:89.939%">

            <tr>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:20.936%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:9.584%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:9.584%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:9.751%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:10.252%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:10.252%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:10.419%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:10.422%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
            </tr>
            <tr>
              <td style="padding:0 1pt" colspan="3"><br>
              </td>
              <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">January 1, 2021</font></td>
              <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Transfers into<br>
                  Level 3</font></td>
              <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Transfers out<br>
                  of Level 3</font></td>
              <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total gains<br>
                  and (losses)<br>
                  included in<br>
                  Net Income</font></td>
              <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total gains<br>
                  and (losses)<br>
                  included in<br>
                  Surplus</font></td>
              <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Purchases, issuances, sales and settlements</font></td>
              <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">December 31, 2021</font></td>
            </tr>
            <tr style="height:11pt">
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 10pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">TRS asset</font></td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</font></td>
              <td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">555&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(555)</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 19pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total Level 3
                  assets</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">555&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(555)</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr style="height:11pt">
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-top:3pt double #000000;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-top:3pt double #000000;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-top:3pt double #000000;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-top:3pt double #000000;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-top:3pt double #000000;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-top:3pt double #000000;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-top:3pt double #000000;padding:0 1pt" colspan="3"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 10pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">TRS liability</font></td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,222)</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,222&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 16.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total Level
                  3 liabilities</font></td>
              <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</font></td>
              <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,222)</font></td>
              <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,222&#160;</font></td>
              <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>

        </table>
      </div>
      <div style="padding-left:54pt">
        <table id="zda8a4d9814cd494eb939ad8e1d966f38" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:90.090%">

            <tr>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:20.400%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:10.233%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:9.566%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:9.733%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:10.233%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:10.233%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:10.400%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:10.402%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
            </tr>
            <tr>
              <td style="padding:0 1pt" colspan="3"><br>
              </td>
              <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">January 1, 2020</font></td>
              <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Transfers into<br>
                  Level 3</font></td>
              <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Transfers out<br>
                  of Level 3</font></td>
              <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total gains<br>
                  and (losses)<br>
                  included in<br>
                  Net Income</font></td>
              <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total gains<br>
                  and (losses)<br>
                  included in<br>
                  Surplus</font></td>
              <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Purchases, issuances, sales and settlements</font></td>
              <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">December 31, 2020</font></td>
            </tr>
            <tr style="height:11pt">
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 10pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">TRS asset</font></td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</font></td>
              <td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9,020&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(9,020)</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 19.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total Level
                  3 assets</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9,020&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(9,020)</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr style="height:11pt">
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-top:3pt double #000000;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-top:3pt double #000000;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-top:3pt double #000000;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-top:3pt double #000000;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-top:3pt double #000000;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-top:3pt double #000000;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-top:3pt double #000000;padding:0 1pt" colspan="3"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 10pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">TRS liability</font></td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(8,366)</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8,366&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 16.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total Level
                  3 liabilities</font></td>
              <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</font></td>
              <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(8,366)</font></td>
              <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8,366&#160;</font></td>
              <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>

        </table>
      </div>
      <div style="margin-bottom:6pt;padding-left:54pt;text-indent:-27pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">(d)&#160;&#160;&#160;&#160;Transfers</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company reviews its fair value hierarchy
          classifications annually. Transfers between levels occur when there are changes in the observability of inputs and market activity. </font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">For the years ended December&#160;31, 2021 and 2020, the Company did not
          have any transfers into or out of Level 3.</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-indent:-27pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">(e)&#160;&#160;&#160;&#160;Sensitivity of Fair Value
          Measurements to Changes in Unobservable Inputs</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Derivative assets and liabilities: </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The TRS are priced by a third-party vendor and the Company internally reviews the valuation for reasonableness. The Company does not
          have insight into the specific inputs used; however, the key unobservable input would generally include the spread. For a long position, a significant increase (decrease) in the spread used in the fair value of the TRS in isolation could result
          in higher (lower) </font></div>
      <div style="height:58.5pt;position:relative;width:100%">
        <div style="bottom:0;position:absolute;width:100%">
          <div style="margin-bottom:6pt;margin-top:6pt;text-align:center">
            <table id="z82e66b02ef0b4041863cb04eb711a03e" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:96.929%">

                <tr>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:32.233%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:32.233%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:32.234%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                </tr>
                <tr>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
                    <div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">27 of 42</font></div>
                    <div><br>
                      </div>
                  </td>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                </tr>

            </table>
            <font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;</font></div>
        </div>
      </div>
      <hr style="page-break-after:always">
      <div style="min-height:108pt;width:100%">
        <div style="margin-bottom:3pt;text-align:center"><br>
          </div>
        <div style="margin-bottom:3pt;text-align:center"><br>
          </div>
        <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%">ALLIANZ LIFE INSURANCE COMPANY OF NEW YORK</font></div>
        <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">Notes to the Statutory Financial Statements</font></div>
        <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">(Dollars in thousands, except share data and security holdings quantities)</font></div>
        <div style="margin-bottom:3pt;text-align:center"><br>
          </div>
        <div style="text-align:center"><br>
          </div>
        <div style="margin-bottom:6pt;margin-top:6pt"><br>
          </div>
      </div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">fair value. For a short position, a significant
          increase (decrease) in the spread used in the fair value of the TRS in isolation could result in lower (higher) fair value.</font></div>
      <div style="margin-bottom:6pt;padding-left:54pt;text-indent:-27pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">(f)&#160;&#160;&#160;&#160;Estimates</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company has been able to estimate the fair
          value of all financial assets and liabilities. </font></div>
      <div style="margin-bottom:6pt;padding-left:54pt;text-indent:-27pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">(g)&#160;&#160;&#160;&#160;Aggregate Fair Value of Financial
          Instruments</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following tables present the carrying amounts
          and fair values of all financial instruments at December 31 </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%;position:relative;top:-3.5pt;vertical-align:baseline">(b)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">:</font></div>
      <div style="margin-top:5pt;padding-left:54pt">
        <table id="z9384bf99db454e42a0143512a025cab5" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:88.588%">

            <tr>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:26.018%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.647%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:12.628%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.647%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:12.628%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.647%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:12.628%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.647%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:12.628%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.647%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:12.635%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
            </tr>
            <tr>
              <td style="padding:0 1pt" colspan="3"><br>
              </td>
              <td style="padding:0 1pt" colspan="3"><br>
              </td>
              <td style="border-bottom:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="27"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2021</font></td>
            </tr>
            <tr>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="15"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Fair Value</font></td>
            </tr>
            <tr>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Aggregate Fair Value</font></td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Admitted Assets/<br>
                  Carrying Value</font></td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Level 1</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Level 2</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Level 3</font></td>
            </tr>
            <tr>
              <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">Financial
                  Assets</font></td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Bonds</font></td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</font></td>
              <td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">616,482&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">580,114&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">78,459&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">538,023&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
            </tr>
            <tr>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Cash
                  equivalents</font></td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">30,073&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">30,073&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">30,073&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
            </tr>
            <tr>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Derivative
                  assets</font></td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">700&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">700&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">700&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Separate
                  account assets</font></td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,473,968&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,447,304&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,382,546&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,091,422&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">Financial
                  Liabilities</font></td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Deposit-type
                  contracts</font></td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</font></td>
              <td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7,249&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6,122&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7,249&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Other
                  investment contracts</font></td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">465,528&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">364,115&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">465,528&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
            </tr>
            <tr>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Separate
                  account liabilities</font></td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,473,968&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,447,304&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,382,546&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,091,422&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr style="height:9pt">
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="33">
                <div style="padding-left:9pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(b)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> The Company does not have any assets or liabilities measured at NAV that are included in Level 2 in this table. In addition,
                    the Company has no assets or liabilities for which it is not practicable to measure at fair value.</font></div>
              </td>
            </tr>

        </table>
      </div>
      <div style="padding-left:54pt">
        <table id="z98ee2a2eea0742a897ed79d67c2493d8" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:88.588%">

            <tr>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:26.018%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.647%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:12.628%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.647%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:12.628%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.647%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:12.628%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.647%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:12.628%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.647%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:12.635%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
            </tr>
            <tr>
              <td style="padding:0 1pt" colspan="3"><br>
              </td>
              <td style="padding:0 1pt" colspan="3"><br>
              </td>
              <td style="border-bottom:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="27"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2020</font></td>
            </tr>
            <tr>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="15"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Fair Value</font></td>
            </tr>
            <tr>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Aggregate Fair Value</font></td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Admitted Assets/<br>
                  Carrying Value</font></td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Level 1</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Level 2</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Level 3</font></td>
            </tr>
            <tr>
              <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">Financial
                  Assets</font></td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Bonds</font></td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</font></td>
              <td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">633,107&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">572,795</font></td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">102,107</font></td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">531,000</font></td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Cash
                  equivalents</font></td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">12,279&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">12,279&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">12,279&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Derivative
                  assets</font></td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">341&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">341&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">341&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Separate
                  account assets</font></td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,859,915&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,773,866</font></td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,334,838</font></td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,525,077</font></td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">Financial
                  Liabilities</font></td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Deposit-type
                  contracts</font></td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</font></td>
              <td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6,056&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,956</font></td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6,056&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Other
                  investment contracts</font></td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">539,498&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">382,832</font></td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">539,498&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Separate
                  account liabilities</font></td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,859,915&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,773,866</font></td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,334,838&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,525,077&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr style="height:9pt">
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="33">
                <div style="padding-left:9pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(b)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> The Company does not have any assets or liabilities measured at NAV that are included in Level 2 in this table. In addition,
                    the Company has no assets or liabilities for which it is not practicable to measure at fair value.</font></div>
              </td>
            </tr>

        </table>
      </div>
      <div style="margin-bottom:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">A description of the Company&#8217;s valuation techniques for financial
          instruments not reported at fair value and categorized within the fair value hierarchy is shown below:</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Valuation of Bonds</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The fair value of bonds is based on quoted market
          prices in active markets when available. Based on the market data, the securities are categorized into asset class, and based on the asset class of the security, appropriate pricing applications, models and related methodology, and standard
          inputs are utilized to determine what a buyer in the marketplace would pay for the security in a current sale. When quoted prices are not readily available or in an inactive market, standard inputs used in the valuation models, listed in
          approximate order of priority, include, but are not limited to, benchmark yields, reported trades, Municipal Securities Rulemaking Board reported trades, Nationally Recognized Municipal Securities Information Repository </font></div>
      <div style="height:58.5pt;position:relative;width:100%">
        <div style="bottom:0;position:absolute;width:100%">
          <div style="margin-bottom:6pt;margin-top:6pt;text-align:center">
            <table id="zf06eebd4d09344bfbd343eba703a0e05" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:96.929%">

                <tr>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:32.233%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:32.233%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:32.234%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                </tr>
                <tr>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
                    <div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">28 of 42</font></div>
                    <div><br>
                      </div>
                  </td>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                </tr>

            </table>
            <font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;</font></div>
        </div>
      </div>
      <hr style="page-break-after:always">
      <div style="min-height:108pt;width:100%">
        <div style="margin-bottom:3pt;text-align:center"><br>
          </div>
        <div style="margin-bottom:3pt;text-align:center"><br>
          </div>
        <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%">ALLIANZ LIFE INSURANCE COMPANY OF NEW YORK</font></div>
        <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">Notes to the Statutory Financial Statements</font></div>
        <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">(Dollars in thousands, except share data and security holdings quantities)</font></div>
        <div style="margin-bottom:3pt;text-align:center"><br>
          </div>
        <div style="text-align:center"><br>
          </div>
        <div style="margin-bottom:6pt;margin-top:6pt"><br>
          </div>
      </div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">material event notices, broker-dealer quotes,
          issuer spreads, two-sided markets, benchmark securities, bids, offers, reference data, and industry and economic events. In some cases, including private placement securities and certain difficult-to-price securities, internal pricing models may
          be used that are based on market proxies. Internal pricing models based on market spread and U.S. Treasury rates are used to value private placement holdings. The primarily unobservable input used in the discounted cash flow models for states and
          political subdivisions, foreign government, and corporate bonds is a corporate index option adjusted spread (OAS). CDO and certain mortgage-backed securities are priced by a third-party vendor and the Company internally reviews the valuation for
          reasonableness. The Company does not have insight into the specific inputs; however, the key unobservable inputs would generally include default rates.</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Generally, U.S. Treasury securities and
          exchange-traded stocks are included in Level&#160;1. Most bonds for which prices are provided by third-party pricing sources are included in Level&#160;2, because the inputs used are market observable. Bonds for which prices were obtained from broker
          quotes, certain bonds without active trading markets and private placement securities that are internally priced are included in Level&#160;3.</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Valuation of Cash Equivalents</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Cash equivalents are comprised of money market
          mutual funds. The fair value of money market mutual funds is based on quoted market prices in active markets and included in Level 1.</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Valuation of Deposit-Type Contracts</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Fair values of deposit-type contracts are based on
          discounted cash flows using internal inputs, including the discount rate and consideration of the Company&#8217;s own credit standing and a risk margin for actuarial inputs.</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Valuation of Other Investment Contracts</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Other investment contracts are included within
          Life policies and annuity contracts within the Statutory Statements of Admitted Assets, Liabilities, and Capital and Surplus. Other investment contracts include certain reserves related to deferred annuities and other payout annuities that may
          include life contingencies, but do not have significant mortality risk due to substantial periods certain. Fair values are based on discounted cash flows using internal inputs, including the discount rate and consideration of the Company&#8217;s own
          credit standing and a risk margin for market inputs.</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Valuation of Separate Account Liabilities</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The fair value of separate account liabilities
          approximates the fair value of separate account assets.</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt;text-indent:-27pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">(7)&#160;&#160;&#160;&#160;Income Taxes</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-indent:-27pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">(a)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Deferred Tax Assets and Liabilities</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The components of the net DTA or net DTL are as
          follows: </font></div>
      <div style="margin-top:5pt;padding-left:54pt">
        <table id="z19e98478532e44199d061749ccde1ced" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:88.588%">

            <tr>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:41.781%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:17.374%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.647%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:17.374%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.647%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:17.377%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
            </tr>
            <tr>
              <td style="padding:0 1pt" colspan="3"><br>
              </td>
              <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="15"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">December 31, 2021</font></td>
            </tr>
            <tr>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Ordinary</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Capital</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Total</font></td>
            </tr>
            <tr>
              <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
                <div style="padding-left:9pt;text-indent:-9pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Total gross deferred tax assets</font></div>
              </td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">19,392&#160;</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">680&#160;</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">20,072&#160;</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
                <div style="padding-left:9pt;text-indent:-9pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Statutory valuation allowance adjustments</font></div>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
                <div style="padding-left:20.25pt;text-indent:-9pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Adjusted gross deferred tax assets</font></div>
              </td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">19,392&#160;</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">680&#160;</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">20,072&#160;</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
                <div style="padding-left:9pt;text-indent:-9pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Deferred tax assets nonadmitted</font></div>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(11,747)</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(11,747)</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
                <div style="padding-left:20.25pt;text-indent:-9pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Subtotal net admitted deferred tax assets</font></div>
              </td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">7,645&#160;</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">680&#160;</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">8,325&#160;</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
                <div style="padding-left:9pt;text-indent:-9pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Deferred tax liabilities</font></div>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(1,553)</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(1,553)</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
                <div style="padding-left:20.25pt;text-indent:-9pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Net admitted deferred tax assets</font></div>
              </td>
              <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
              <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">6,092&#160;</font></td>
              <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">680&#160;</font></td>
              <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">6,772&#160;</font></td>
              <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>

        </table>
      </div>
      <div style="height:58.5pt;position:relative;width:100%">
        <div style="bottom:0;position:absolute;width:100%">
          <div style="margin-bottom:6pt;margin-top:6pt;text-align:center">
            <table id="z5d78131205be46058d2c26db2bcda17d" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:96.929%">

                <tr>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:32.233%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:32.233%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:32.234%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                </tr>
                <tr>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
                    <div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">29 of 42</font></div>
                    <div><br>
                      </div>
                  </td>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                </tr>

            </table>
            <font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;</font></div>
        </div>
      </div>
      <hr style="page-break-after:always">
      <div style="min-height:108pt;width:100%">
        <div style="margin-bottom:3pt;text-align:center"><br>
          </div>
        <div style="margin-bottom:3pt;text-align:center"><br>
          </div>
        <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%">ALLIANZ LIFE INSURANCE COMPANY OF NEW YORK</font></div>
        <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">Notes to the Statutory Financial Statements</font></div>
        <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">(Dollars in thousands, except share data and security holdings quantities)</font></div>
        <div style="margin-bottom:3pt;text-align:center"><br>
          </div>
        <div style="text-align:center"><br>
          </div>
        <div style="margin-bottom:6pt;margin-top:6pt"><br>
          </div>
      </div>
      <div style="padding-left:54pt">
        <table id="z27c943222d484f74b80ec9bf93ea5d1b" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:88.588%">

            <tr>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:41.781%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:17.374%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.647%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:17.374%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.647%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:17.377%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
            </tr>
            <tr>
              <td style="padding:0 1pt" colspan="3"><br>
              </td>
              <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="15"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">December 31, 2020</font></td>
            </tr>
            <tr>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Ordinary</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Capital</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Total</font></td>
            </tr>
            <tr>
              <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
                <div style="padding-left:9pt;text-indent:-9pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Total gross deferred tax assets</font></div>
              </td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">16,394&#160;</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">676&#160;</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">17,070&#160;</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
                <div style="padding-left:9pt;text-indent:-9pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Statutory valuation allowance adjustments</font></div>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
                <div style="padding-left:20.25pt;text-indent:-9pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Adjusted gross deferred tax assets</font></div>
              </td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">16,394&#160;</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">676&#160;</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">17,070&#160;</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
                <div style="padding-left:9pt;text-indent:-9pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Deferred tax assets nonadmitted</font></div>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(8,771)</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(8,771)</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
                <div style="padding-left:20.25pt;text-indent:-9pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Subtotal net admitted deferred tax assets</font></div>
              </td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">7,623&#160;</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">676&#160;</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">8,299&#160;</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
                <div style="padding-left:9pt;text-indent:-9pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Deferred tax liabilities</font></div>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(1,812)</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(1,812)</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
                <div style="padding-left:20.25pt;text-indent:-9pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Net admitted deferred tax assets</font></div>
              </td>
              <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
              <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">5,811&#160;</font></td>
              <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">676&#160;</font></td>
              <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">6,487&#160;</font></td>
              <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>

        </table>
      </div>
      <div style="padding-left:54pt">
        <table id="zae122b3e5d6c4630a1014f150a1e7a61" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:88.588%">

            <tr>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:41.781%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:17.374%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.647%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:17.374%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.647%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:17.377%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
            </tr>
            <tr>
              <td style="padding:0 1pt" colspan="3"><br>
              </td>
              <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="15"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Change</font></td>
            </tr>
            <tr>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Ordinary</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Capital</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Total</font></td>
            </tr>
            <tr>
              <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
                <div style="padding-left:9pt;text-indent:-9pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Total gross deferred tax assets</font></div>
              </td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2,998&#160;</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">4&#160;</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">3,002&#160;</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
                <div style="padding-left:9pt;text-indent:-9pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Statutory valuation allowance adjustments</font></div>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
                <div style="padding-left:20.25pt;text-indent:-9pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Adjusted gross deferred tax assets</font></div>
              </td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2,998&#160;</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">4&#160;</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">3,002&#160;</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
                <div style="padding-left:9pt;text-indent:-9pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Deferred tax assets nonadmitted</font></div>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(2,976)</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(2,976)</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
                <div style="padding-left:20.25pt;text-indent:-9pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Subtotal net admitted deferred tax assets</font></div>
              </td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">22&#160;</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">4&#160;</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">26&#160;</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
                <div style="padding-left:9pt;text-indent:-9pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Deferred tax liabilities</font></div>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">259&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">259&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
                <div style="padding-left:20.25pt;text-indent:-9pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Net admitted deferred tax assets</font></div>
              </td>
              <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
              <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">281&#160;</font></td>
              <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">4&#160;</font></td>
              <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">285&#160;</font></td>
              <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>

        </table>
      </div>
      <div style="padding-left:54pt"><br>
        </div>
      <div style="margin-bottom:6pt;padding-left:54pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The amount of admitted adjusted gross DTAs allowed under each component of SSAP
          No.&#160;101 &#8211; </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Income Taxes</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> (SSAP No. 101) as of December 31 are as follows: </font></div>
      <div style="margin-top:5pt;padding-left:54pt">
        <table id="zf85445a944be41a1b30b4c37541e5fbb" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:88.738%">

            <tr>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:44.416%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:16.497%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.646%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:16.497%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.646%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:16.498%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
            </tr>
            <tr>
              <td style="padding:0 1pt" colspan="3"><br>
              </td>
              <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="15"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">December 31, 2021</font></td>
            </tr>
            <tr>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Ordinary</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Capital</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Total</font></td>
            </tr>
            <tr>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 10pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Federal income
                  taxes paid in prior years recoverable through loss carrybacks (11.a)</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">680&#160;</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">680&#160;</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
                <div style="padding-left:9pt;text-indent:-9pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Adjusted gross DTAs expected to be realized after application of the
                    threshold limitations</font></div>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
                <div style="padding-left:20.25pt;text-indent:-9pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Lesser of 11.b.i or 11.b.ii:</font></div>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
                <div style="padding-left:27pt;text-indent:-9pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Adjusted gross DTAs expected to be realized following the balance sheet date
                    (11.b.i.)</font></div>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">6,092&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">6,092&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
                <div style="padding-left:27pt;text-indent:-9pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Adjusted gross DTAs allowed per limitation threshold (11.b.ii)</font></div>
              </td>
              <td style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">N/A</font></td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">N/A</font></td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">23,436&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
                <div style="padding-left:27pt;text-indent:-9pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Lesser of 11.b.i or 11.b.ii</font></div>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">6,092&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">6,092&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
                <div style="padding-left:9pt;text-indent:-9pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Adjusted gross DTAs offset by gross DTLs (11.c)</font></div>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,553&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,553&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
                <div style="padding-left:38.25pt;text-indent:-9pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Deferred tax assets admitted</font></div>
              </td>
              <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td>
              <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">7,645&#160;</font></td>
              <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">680&#160;</font></td>
              <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">8,325&#160;</font></td>
              <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>

        </table>
      </div>
      <div style="padding-left:54pt">
        <table id="zadfebd78f3b543828359fa46be6b7043" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:88.738%">

            <tr>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:44.416%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:16.497%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.646%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:16.497%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.646%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:16.498%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
            </tr>
            <tr>
              <td style="padding:0 1pt" colspan="3"><br>
              </td>
              <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="15"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">December 31, 2020</font></td>
            </tr>
            <tr>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Ordinary</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Capital</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Total</font></td>
            </tr>
            <tr>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 10pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Federal income
                  taxes paid in prior years recoverable through loss carrybacks (11.a)</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">676&#160;</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">676&#160;</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
                <div style="padding-left:9pt;text-indent:-9pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Adjusted gross DTAs expected to be realized after application of the
                    threshold limitations</font></div>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
                <div style="padding-left:20.25pt;text-indent:-9pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Lesser of 11.b.i or 11.b.ii:</font></div>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
                <div style="padding-left:27pt;text-indent:-9pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Adjusted gross DTAs expected to be realized following the balance sheet date
                    (11.b.i.)</font></div>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">5,811&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">5,811&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
                <div style="padding-left:27pt;text-indent:-9pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Adjusted gross DTAs allowed per limitation threshold (11.b.ii)</font></div>
              </td>
              <td style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">N/A</font></td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">N/A</font></td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">22,422&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
                <div style="padding-left:27pt;text-indent:-9pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Lesser of 11.b.i or 11.b.ii</font></div>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">5,811&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">5,811&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
                <div style="padding-left:9pt;text-indent:-9pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Adjusted gross DTAs offset by gross DTLs (11.c)</font></div>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,812&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,812&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
                <div style="padding-left:38.25pt;text-indent:-9pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Deferred tax assets admitted</font></div>
              </td>
              <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td>
              <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">7,623&#160;</font></td>
              <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">676&#160;</font></td>
              <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">8,299&#160;</font></td>
              <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>

        </table>
      </div>
      <div style="height:58.5pt;position:relative;width:100%">
        <div style="bottom:0;position:absolute;width:100%">
          <div style="margin-bottom:6pt;margin-top:6pt;text-align:center">
            <table id="z6d8fd923c1be4402be5aecf23df16473" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:96.929%">

                <tr>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:32.233%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:32.233%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:32.234%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                </tr>
                <tr>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
                    <div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">30 of 42</font></div>
                    <div><br>
                      </div>
                  </td>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                </tr>

            </table>
            <font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;</font></div>
        </div>
      </div>
      <hr style="page-break-after:always">
      <div style="min-height:108pt;width:100%">
        <div style="margin-bottom:3pt;text-align:center"><br>
          </div>
        <div style="margin-bottom:3pt;text-align:center"><br>
          </div>
        <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%">ALLIANZ LIFE INSURANCE COMPANY OF NEW YORK</font></div>
        <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">Notes to the Statutory Financial Statements</font></div>
        <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">(Dollars in thousands, except share data and security holdings quantities)</font></div>
        <div style="margin-bottom:3pt;text-align:center"><br>
          </div>
        <div style="text-align:center"><br>
          </div>
        <div style="margin-bottom:6pt;margin-top:6pt"><br>
          </div>
      </div>
      <div style="padding-left:54pt">
        <table id="z2840b894088d4db790530fdeac2b2ad7" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:88.738%">

            <tr>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:44.416%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:16.497%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.646%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:16.497%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.646%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:16.498%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
            </tr>
            <tr>
              <td style="padding:0 1pt" colspan="3"><br>
              </td>
              <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="15"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Change</font></td>
            </tr>
            <tr>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Ordinary</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Capital</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Total</font></td>
            </tr>
            <tr>
              <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Federal income taxes
                  paid in prior years recoverable through loss carrybacks (11.a)</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">4&#160;</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">4&#160;</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
                <div style="padding-left:9pt;text-indent:-9pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Adjusted gross DTAs expected to be realized after application of the
                    threshold limitations</font></div>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
                <div style="padding-left:20.25pt;text-indent:-9pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Lesser of 11.b.i or 11.b.ii:</font></div>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
                <div style="padding-left:27pt;text-indent:-9pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Adjusted gross DTAs expected to be realized following the balance sheet date
                    (11.b.i.)</font></div>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">281&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">281&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
                <div style="padding-left:27pt;text-indent:-9pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Adjusted gross DTAs allowed per limitation threshold (11.b.ii)</font></div>
              </td>
              <td style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">N/A</font></td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">N/A</font></td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,014&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
                <div style="padding-left:27pt;text-indent:-9pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Lesser of 11.b.i or 11.b.ii</font></div>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">281&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">281&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
                <div style="padding-left:9pt;text-indent:-9pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Adjusted gross DTAs offset by gross DTLs (11.c)</font></div>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(259)</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(259)</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
                <div style="padding-left:38.25pt;text-indent:-9pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Deferred tax assets admitted</font></div>
              </td>
              <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td>
              <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">22&#160;</font></td>
              <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">4&#160;</font></td>
              <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">26&#160;</font></td>
              <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>

        </table>
      </div>
      <div style="padding-left:54pt"><br>
        </div>
      <div style="margin-bottom:6pt;padding-left:81pt;text-indent:-27pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Ratios used for threshold limitation as of December 31 are as
          follows:</font></div>
      <div style="margin-top:5pt;padding-left:54pt">
        <table id="z68fdb38d155c4fae9c6ad3dadf20c4bf" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:89.039%">

            <tr>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:50.670%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:14.414%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.643%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:14.414%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.643%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:14.416%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
            </tr>
            <tr>
              <td style="padding:0 1pt" colspan="3"><br>
              </td>
              <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="9"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">December 31</font></td>
              <td style="padding:0 1pt" colspan="3"><br>
              </td>
              <td style="padding:0 1pt" colspan="3"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2021</font></td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2020</font></td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Change</font></td>
            </tr>
            <tr>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 10pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Ratio
                  percentage used to determine recovery period and threshold limitation amount</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">711&#160;</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</font></td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,028&#160;</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</font></td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(317)</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</font></td>
            </tr>
            <tr>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 10pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Amount of
                  adjusted capital and surplus used to determine recovery period threshold limitation</font></td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</font></td>
              <td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">156,239&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">149,483&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6,756&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>

        </table>
      </div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Impact of tax planning strategies on the
          determination of net admitted adjusted gross DTAs is as follows:</font></div>
      <div style="margin-top:5pt;padding-left:54pt">
        <table id="z51015eecea7342c692cecd8a5e608915" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:88.888%">

            <tr>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:43.663%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:16.974%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.644%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:16.636%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.644%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:16.639%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
            </tr>
            <tr>
              <td style="padding:0 1pt" colspan="3"><br>
              </td>
              <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="15"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">December 31, 2021</font></td>
            </tr>
            <tr>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Ordinary</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Capital</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Total</font></td>
            </tr>
            <tr>
              <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
                <div style="padding-left:9pt;text-indent:-9pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Net admitted adjusted gross DTAs - (percentage of total net admitted adjusted
                    gross DTAs)</font></div>
              </td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</font></td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</font></td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</font></td>
            </tr>

        </table>
      </div>
      <div style="padding-left:54pt">
        <table id="z1b09e146c2614faa8e1f46441f9cab45" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:88.888%">

            <tr>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:43.663%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:16.974%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.644%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:16.636%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.644%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:16.639%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
            </tr>
            <tr>
              <td style="padding:0 1pt" colspan="3"><br>
              </td>
              <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="15"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">December 31, 2020</font></td>
            </tr>
            <tr>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Ordinary</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Capital</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Total</font></td>
            </tr>
            <tr>
              <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
                <div style="padding-left:9pt;text-indent:-9pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Net admitted adjusted gross DTAs - (percentage of total net admitted adjusted
                    gross DTAs)</font></div>
              </td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</font></td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</font></td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</font></td>
            </tr>

        </table>
      </div>
      <div style="padding-left:54pt">
        <table id="zfd180de1f76e4a7a8b8f96ee7f169d7b" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:88.888%">

            <tr>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:43.663%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:16.974%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.644%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:16.636%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.644%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:16.639%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
            </tr>
            <tr>
              <td style="padding:0 1pt" colspan="3"><br>
              </td>
              <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="15"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Change</font></td>
            </tr>
            <tr>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Ordinary</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Capital</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Total</font></td>
            </tr>
            <tr>
              <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
                <div style="padding-left:9pt;text-indent:-9pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Net admitted adjusted gross DTAs - (percentage of total net admitted adjusted
                    gross DTAs)</font></div>
              </td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</font></td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</font></td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</font></td>
            </tr>

        </table>
      </div>
      <div style="margin-bottom:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company&#8217;s tax planning strategies do not include the use of
          reinsurance.</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-indent:-27pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">(b)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Unrecognized Deferred Tax Liabilities</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">There are no temporary differences for which DTLs
          are not recognized.</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-indent:-27pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">(c)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Current and Deferred Income Taxes</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The significant components of income taxes
          incurred (i.e. Current income tax expense) include:</font></div>
      <div style="height:58.5pt;position:relative;width:100%">
        <div style="bottom:0;position:absolute;width:100%">
          <div style="margin-bottom:6pt;margin-top:6pt;text-align:center">
            <table id="zefae181ab7f241779aa252fa8e722a54" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:96.929%">

                <tr>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:32.233%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:32.233%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:32.234%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                </tr>
                <tr>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
                    <div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">31 of 42</font></div>
                    <div><br>
                      </div>
                  </td>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                </tr>

            </table>
            <font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;</font></div>
        </div>
      </div>
      <hr style="page-break-after:always">
      <div style="min-height:108pt;width:100%">
        <div style="margin-bottom:3pt;text-align:center"><br>
          </div>
        <div style="margin-bottom:3pt;text-align:center"><br>
          </div>
        <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%">ALLIANZ LIFE INSURANCE COMPANY OF NEW YORK</font></div>
        <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">Notes to the Statutory Financial Statements</font></div>
        <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">(Dollars in thousands, except share data and security holdings quantities)</font></div>
        <div style="margin-bottom:3pt;text-align:center"><br>
          </div>
        <div style="text-align:center"><br>
          </div>
        <div style="margin-bottom:6pt;margin-top:6pt"><br>
          </div>
      </div>
      <div style="margin-top:5pt;padding-left:54pt">
        <table id="z969bee485f7b43c08fcaa8809ee933c8" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:90.090%">

            <tr>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:45.566%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:8.900%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.633%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:8.900%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.633%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:8.900%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.633%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:8.900%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.633%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:8.902%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
            </tr>
            <tr>
              <td style="padding:0 1pt" colspan="3"><br>
              </td>
              <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="15"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">December 31</font></td>
              <td style="padding:0 1pt" colspan="3"><br>
              </td>
              <td style="padding:0 1pt" colspan="3"><br>
              </td>
              <td style="padding:0 1pt" colspan="3"><br>
              </td>
              <td style="padding:0 1pt" colspan="3"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2021</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2020</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2019</font></td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2021-2020 Change</font></td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2020-2019 Change</font></td>
            </tr>
            <tr>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 10pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Current year
                  federal tax expense (benefit) - ordinary income</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6,319&#160;</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,280&#160;</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(7,343)</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,039&#160;</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8,623&#160;</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 10pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Current year
                  foreign tax expense (benefit) - ordinary income</font></td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 28pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Subtotal</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6,319&#160;</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,280&#160;</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(7,343)</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,039&#160;</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8,623&#160;</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 10pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Current year
                  tax expense (benefit) - net realized capital gains (losses)</font></td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">19&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">652&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">118&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(633)</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">534&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 19pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Federal and
                  foreign income taxes incurred</font></td>
              <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</font></td>
              <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6,338&#160;</font></td>
              <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,932&#160;</font></td>
              <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(7,225)</font></td>
              <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,406&#160;</font></td>
              <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9,157&#160;</font></td>
              <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>

        </table>
      </div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">DTAs and DTLs consist of the following major
          components:</font></div>
      <div style="margin-top:5pt;padding-left:54pt">
        <table id="z25be1f25e07e45c0a0695ca87dc71649" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:89.039%">

            <tr>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:42.238%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.643%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:16.943%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.643%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:16.943%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.643%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:16.947%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
            </tr>
            <tr>
              <td style="padding:0 1pt" colspan="3"><br>
              </td>
              <td style="padding:0 1pt" colspan="3"><br>
              </td>
              <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="9"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">December 31</font></td>
              <td style="padding:0 1pt" colspan="3"><br>
              </td>
              <td style="padding:0 1pt" colspan="3"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#cceeff;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Deferred tax assets</font></td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">2021</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">2020</font></td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Change</font></td>
            </tr>
            <tr>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Ordinary:</font></td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Deferred
                  acquisition costs</font></td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td>
              <td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3,678&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,879&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">799&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Policyholder
                  reserves</font></td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">15,029&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">12,294&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,735&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Expense
                  accruals</font></td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Investments</font></td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">671&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,216&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(545)</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Nonadmitted
                  assets</font></td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">13&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">4&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">9&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 25.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Subtotal</font></td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">19,392&#160;</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">16,394&#160;</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,998&#160;</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
            </tr>
            <tr>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Nonadmitted
                  ordinary deferred tax assets</font></td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(11,747)</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(8,771)</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(2,976)</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 37pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Admitted
                  ordinary tax assets</font></td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">7,645&#160;</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">7,623&#160;</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">22&#160;</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Capital:</font></td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Impaired
                  assets</font></td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">680&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">676&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">4&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 25.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Subtotal</font></td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">680&#160;</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">676&#160;</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">4&#160;</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
            </tr>
            <tr>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
            </tr>
            <tr>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 37pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Admitted
                  capital deferred tax assets</font></td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">680&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">676&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">4&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 37pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Admitted
                  deferred tax assets</font></td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td>
              <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">8,325&#160;</font></td>
              <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">8,299&#160;</font></td>
              <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">26&#160;</font></td>
              <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>

        </table>
      </div>
      <div style="padding-left:54pt">
        <table id="zc5b9449d6b974edaa8e719ac35134759" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:89.039%">

            <tr>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:42.238%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.643%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:16.943%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.643%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:16.943%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.643%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:16.947%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
            </tr>
            <tr>
              <td style="padding:0 1pt" colspan="3"><br>
              </td>
              <td style="padding:0 1pt" colspan="3"><br>
              </td>
              <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="9"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">December 31</font></td>
              <td style="padding:0 1pt" colspan="3"><br>
              </td>
              <td style="padding:0 1pt" colspan="3"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#cceeff;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Deferred tax
                  liabilities</font></td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">2021</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">2020</font></td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Change</font></td>
            </tr>
            <tr>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Ordinary:</font></td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Investments</font></td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td>
              <td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(305)</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(255)</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(50)</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
            </tr>
            <tr>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Policyholder
                  reserves</font></td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(1,242)</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(1,551)</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">309&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Deferred
                  and uncollected premiums</font></td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(6)</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(6)</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 25.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Subtotal</font></td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(1,553)</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(1,812)</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">259&#160;</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr style="height:11pt">
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Capital:</font></td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Other</font></td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 25.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Subtotal</font></td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Deferred tax
                  liabilities</font></td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(1,553)</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(1,812)</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">259&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 37pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Net deferred
                  tax asset</font></td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td>
              <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">6,772&#160;</font></td>
              <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">6,487&#160;</font></td>
              <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">285&#160;</font></td>
              <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>

        </table>
      </div>
      <div style="margin-bottom:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The realization of the DTAs is dependent upon the Company&#8217;s
          ability to generate sufficient taxable income in future periods. Based on historical results and the prospects for future current operations, management anticipates that it is more likely than not that future taxable income will be sufficient for
          the realization of the remaining DTAs.</font></div>
      <div style="padding-left:54pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:115%">The Coronavirus Aid, Relief, and Economic Security Act, (CARES Act of 2020) was enacted on March 27,
          2020, thereby allowing net operating losses (NOLs) arising in tax years beginning after December 31, 2017, and before January 1, 2021 (e.g., NOLs incurred in 2018, 2019, or 2020 by a calendar-year taxpayer) to be carried back to each of the five
          tax years preceding the tax year of such loss.</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">In computing taxable income, life insurance
          companies are allowed a deduction attributable to their life insurance and accident and health reserves. The Tax Act of 2017 significantly changed the methodology by </font></div>
      <div style="height:58.5pt;position:relative;width:100%">
        <div style="bottom:0;position:absolute;width:100%">
          <div style="margin-bottom:6pt;margin-top:6pt;text-align:center">
            <table id="z2d56012a25b64181ac7d6d8f8d327826" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:96.929%">

                <tr>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:32.233%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:32.233%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:32.234%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                </tr>
                <tr>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
                    <div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">32 of 42</font></div>
                    <div><br>
                      </div>
                  </td>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                </tr>

            </table>
            <font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;</font></div>
        </div>
      </div>
      <hr style="page-break-after:always">
      <div style="min-height:108pt;width:100%">
        <div style="margin-bottom:3pt;text-align:center"><br>
          </div>
        <div style="margin-bottom:3pt;text-align:center"><br>
          </div>
        <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%">ALLIANZ LIFE INSURANCE COMPANY OF NEW YORK</font></div>
        <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">Notes to the Statutory Financial Statements</font></div>
        <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">(Dollars in thousands, except share data and security holdings quantities)</font></div>
        <div style="margin-bottom:3pt;text-align:center"><br>
          </div>
        <div style="text-align:center"><br>
          </div>
        <div style="margin-bottom:6pt;margin-top:6pt"><br>
          </div>
      </div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">which these reserves are computed for tax
          purposes.&#160;The changes are effective for tax years beginning after 2017 and are subject to a transition rule that spreads the additional income tax liability over the subsequent eight years beginning in 2018.&#160; Due to complexities in the new
          methodology and limited guidance from the Internal Revenue Service and U.S. Treasury, the Company has recorded provisional amounts for the deferred tax revaluation associated with the changes in the computation of life insurance tax reserves
          based on information available at December 31, 2017.&#160; Pursuant to Interpretation of the SAP Working Group 18-01: </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Updated Tax Estimates under the Tax Cuts and Jobs Act</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">, provisional tax computations related to these amounts were reasonably estimated&#160;as of December 31, 2017 and have been adjusted based on guidance received from Internal Revenue
          Service and U.S. Treasury. Adjusted amounts are reflected in the Company's results of operations for the years ended December 31, 2021, 2020, and 2019. </font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Change in net deferred income tax is comprised
          of the following (this analysis is exclusive of the nonadmitted DTAs as the Change in nonadmitted assets is reported separately from the Change in net deferred income tax in the Unassigned surplus section of the Statutory Statements of Capital
          and Surplus):</font></div>
      <div style="margin-top:5pt;padding-left:54pt">
        <table id="z437b56fd72474e14b8bf1a411025b7cf" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:89.039%">

            <tr>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:56.741%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:12.390%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.643%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:12.390%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.643%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:12.393%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
            </tr>
            <tr>
              <td style="padding:0 1pt" colspan="3"><br>
              </td>
              <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="9"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">December 31</font></td>
              <td style="padding:0 1pt" colspan="3"><br>
              </td>
              <td style="padding:0 1pt" colspan="3"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">2021</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">2020</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Change</font></td>
            </tr>
            <tr>
              <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
                <div style="padding-left:9pt;text-indent:-9pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Net deferred tax assets</font></div>
              </td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">18,519&#160;</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">15,257&#160;</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3,262&#160;</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
                <div style="padding-left:9pt;text-indent:-9pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Statutory valuation allowance adjustment</font></div>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
                <div style="padding-left:27pt;text-indent:-9pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Net deferred tax assets after statutory valuation allowance</font></div>
              </td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">18,519&#160;</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">15,257&#160;</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3,262&#160;</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
                <div style="padding-left:9pt;text-indent:-9pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Tax effect of unrealized gains/(losses)</font></div>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(671)</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(1,216)</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">545&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
            </tr>
            <tr>
              <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
                <div style="padding-left:27pt;text-indent:-9pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Change in net deferred income tax</font></div>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td>
              <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3,807&#160;</font></td>
              <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>

        </table>
      </div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-indent:-27pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">(d)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Reconciliation of Federal Income Tax Rate to Actual Effective Rate</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The provision for federal income taxes incurred is
          different from that which would be obtained by applying the statutory federal income tax rate to income before income taxes. The significant items causing this difference are as follows:</font></div>
      <div style="margin-top:5pt;padding-left:54pt">
        <table id="z1a3c4d3385f54bfea22f0c423e015d93" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:88.888%">

            <tr>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:44.170%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:16.636%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.644%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:16.467%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.644%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:16.639%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
            </tr>
            <tr>
              <td style="padding:0 1pt" colspan="3"><br>
              </td>
              <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">December 31, 2021</font></td>
              <td style="padding:0 1pt" colspan="3"><br>
              </td>
              <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">December 31, 2020</font></td>
              <td style="padding:0 1pt" colspan="3"><br>
              </td>
              <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">December 31, 2019</font></td>
            </tr>
            <tr>
              <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Federal income tax rate</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">21.0&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</font></td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">21.0&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</font></td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">21.0&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</font></td>
            </tr>
            <tr>
              <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Amortization of IMR</font></td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.5&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1.2&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1.6&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Dividends received
                  deduction</font></td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(0.8)</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(3.7)</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(4.3)</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Tax hedges</font></td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(0.2)</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.7&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Tax hedge
                  reclassification</font></td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(17.5)</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(31.5)</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(73.9)</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Non-deductible expenses</font></td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.1&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Change in deferred tax
                  on non-admitted assets</font></td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.2&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(0.2)</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Prior period
                  adjustments</font></td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.5&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.9&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Change in deferred tax
                  impairments</font></td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(2.5)</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.5&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
            </tr>
            <tr>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
            </tr>
            <tr>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
            </tr>
            <tr>
              <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Realized Capital Gains
                  Tax</font></td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2.4&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 10pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Effective tax
                  rate</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3.5&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</font></td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(12.9)</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</font></td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(53.6)</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</font></td>
            </tr>
            <tr style="height:3pt">
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-top:3pt double #000000;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-top:3pt double #000000;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-top:3pt double #000000;padding:0 1pt" colspan="3"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
                <div style="padding-left:9pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Federal and foreign income taxes incurred </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(1)</font></div>
              </td>
              <td style="background-color:#cceeff;padding:2px 10pt 2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8.8%</font></td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4.7&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</font></td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(36.8)</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</font></td>
            </tr>
            <tr>
              <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Realized Capital Gains
                  Tax </font></td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2.4&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Change in net deferred
                  income taxes</font></td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(5.3)</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(20.0)</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(16.8)</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 10pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Effective tax
                  rate</font></td>
              <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3.5&#160;</font></td>
              <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</font></td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(12.9)</font></td>
              <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</font></td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(53.6)</font></td>
              <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</font></td>
            </tr>
            <tr>
              <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="18">
                <div style="padding-left:9pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(1)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> Prior to 2020, tax on capital gains (losses) was excluded from federal and foreign income taxes incurred and detailed in Note
                    5(c).</font></div>
              </td>
            </tr>

        </table>
      </div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-indent:-27pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">(e)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Carryforwards, Recoverable Taxes, and IRC Section&#160;6603 Deposits</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">As of December&#160;31, 2021, </font><font style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">there are no operating losses or tax credit carryforwards available for tax purposes.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> </font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">There are no Federal
          income taxes available for recoupment in the event of future net losses.</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">There are no aggregate deposits admitted under
          Section&#160;6603 of the IRC.</font></div>
      <div style="height:58.5pt;position:relative;width:100%">
        <div style="bottom:0;position:absolute;width:100%">
          <div style="margin-bottom:6pt;margin-top:6pt;text-align:center">
            <table id="z98843ea7743c442d9503e3a784eeaa98" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:96.929%">

                <tr>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:32.233%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:32.233%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:32.234%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                </tr>
                <tr>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
                    <div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">33 of 42</font></div>
                    <div><br>
                      </div>
                  </td>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                </tr>

            </table>
            <font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;</font></div>
        </div>
      </div>
      <hr style="page-break-after:always">
      <div style="min-height:108pt;width:100%">
        <div style="margin-bottom:3pt;text-align:center"><br>
          </div>
        <div style="margin-bottom:3pt;text-align:center"><br>
          </div>
        <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%">ALLIANZ LIFE INSURANCE COMPANY OF NEW YORK</font></div>
        <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">Notes to the Statutory Financial Statements</font></div>
        <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">(Dollars in thousands, except share data and security holdings quantities)</font></div>
        <div style="margin-bottom:3pt;text-align:center"><br>
          </div>
        <div style="text-align:center"><br>
          </div>
        <div style="margin-bottom:6pt;margin-top:6pt"><br>
          </div>
      </div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company had no tax contingencies computed in
          accordance with SSAP No.&#160;101 as of December&#160;31, 2021 and 2020.</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company recognizes interest and penalties
          accrued related to unrecognized tax benefits in federal income tax expense. During the years ended December&#160;31, 2021 and 2020, the Company recognized no such expenses.</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-indent:-27pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">(f)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Consolidated Federal Income Tax Return </font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company&#8217;s federal income tax return is
          consolidated with AZOA. The method of allocation between the subsidiaries of AZOA is subject to written agreement, approved by the Allianz Life Board of Directors. Allocation is based upon separate return calculations with current credit for net
          losses. Intercompany tax balances are settled annually after the consolidated return is filed.</font></div>
      <div style="padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">The Company is included in the consolidated group for which AZOA files a federal
          income tax return on behalf of all group members. As a member of the AZOA consolidated group, the Company is no longer subject to U.S. Federal and non-U.S. income tax examinations for years prior to 2016, though examinations of combined returns
          filed by AZOA, which include the Company, by certain U.S. state and local tax authorities, may still be conducted for 2008 and subsequent years. The Internal Revenue Service (IRS) examination of AZOA for the 2016 and 2017 income tax returns has
          completed the exam phase and has been assigned to appeals for an issue unrelated to the Company. The IRS has also initiated an examination of AZOA's 2018 income tax return, which is expected to close by the end of 2022.</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">As of December&#160;31, 2021, the companies included in
          the consolidated group for which AZOA files a federal income tax return is included below:</font></div>
      <div style="margin-top:5pt;padding-left:27pt;padding-right:27pt;text-align:center">
        <table id="z321116cba0424d88b8064efdca819b5a" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:73.573%">

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

        </table>
      </div>
      <div style="margin-top:5pt;padding-left:27pt;padding-right:27pt;text-align:center"><br>
        </div>
      <div style="margin-bottom:6pt;margin-top:6pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">(8)&#160;&#160;&#160;&#160;Accident and Health Claim Reserves</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Accident and health claim reserves are based on
          estimates that are subject to uncertainty. Uncertainty regarding reserves of a given accident year is gradually reduced as new information emerges each succeeding year, thereby allowing more reliable reevaluations of such reserves. While
          management believes that reserves as of December&#160;31, 2021, are appropriate, uncertainties in the reserving process could cause reserves to develop favorably or unfavorably in the near term as new or additional information emerges. Any adjustments
          to reserves are reflected in the operating results of the periods in which they are made. Movements in reserves could significantly impact the Company&#8217;s future reported earnings.</font></div>
      <div style="height:58.5pt;position:relative;width:100%">
        <div style="bottom:0;position:absolute;width:100%">
          <div style="margin-bottom:6pt;margin-top:6pt;text-align:center">
            <table id="z277645e3f1fa4a4e8dc8261870d2b242" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:96.929%">

                <tr>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:32.233%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:32.233%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:32.234%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                </tr>
                <tr>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
                    <div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">34 of 42</font></div>
                    <div><br>
                      </div>
                  </td>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                </tr>

            </table>
            <font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;</font></div>
        </div>
      </div>
      <hr style="page-break-after:always">
      <div style="min-height:108pt;width:100%">
        <div style="margin-bottom:3pt;text-align:center"><br>
          </div>
        <div style="margin-bottom:3pt;text-align:center"><br>
          </div>
        <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%">ALLIANZ LIFE INSURANCE COMPANY OF NEW YORK</font></div>
        <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">Notes to the Statutory Financial Statements</font></div>
        <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">(Dollars in thousands, except share data and security holdings quantities)</font></div>
        <div style="margin-bottom:3pt;text-align:center"><br>
          </div>
        <div style="text-align:center"><br>
          </div>
        <div style="margin-bottom:6pt;margin-top:6pt"><br>
          </div>
      </div>
      <div style="margin-top:6pt;padding-left:27pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Activity in the accident and health claim reserves is summarized as
          follows:</font></div>
      <div style="margin-top:5pt;padding-left:27pt">
        <table id="z8b8fab0685c5461f8c2c19361d180592" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:91.891%">

            <tr>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:53.801%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.616%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:13.115%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.616%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:13.115%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.616%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:13.121%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
            </tr>
            <tr>
              <td style="padding:0 1pt" colspan="3"><br>
              </td>
              <td style="padding:0 1pt" colspan="3"><br>
              </td>
              <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2021</font></td>
              <td style="padding:0 1pt" colspan="3"><br>
              </td>
              <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2020</font></td>
              <td style="padding:0 1pt" colspan="3"><br>
              </td>
              <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2019</font></td>
            </tr>
            <tr>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 10pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Balance at
                  January 1, net of reinsurance recoverables of $1,079, $1,214, and $529, respectively</font></td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">7,834&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">7,302&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">3,938&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Incurred related to:</font></td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Current
                  year</font></td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2,613&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">3,428&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">3,991&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Prior
                  years</font></td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(433)</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(1,093)</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">749&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 37pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Total
                  incurred</font></td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2,180&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2,335&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">4,740&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Paid related to:</font></td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Current
                  year</font></td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">154&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">153&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">211&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Prior
                  years</font></td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1,786&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1,650&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1,165&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 37pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Total paid</font></td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1,940&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1,803&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1,376&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 21.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Balance at
                  December 31, net of reinsurance recoverables of $1,137, $1,079, and $1,214, respectively</font></td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
              <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">8,074&#160;</font></td>
              <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">7,834&#160;</font></td>
              <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">7,302&#160;</font></td>
              <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>

        </table>
      </div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Prior years incurred claim reserves changed as a
          result of re-estimation of unpaid claims and claim adjustment expenses, principally on the individual LTC line of business. </font></div>
      <div style="margin-bottom:6pt;margin-top:6pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">(9)&#160;&#160;&#160;&#160;Reinsurance</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company primarily enters into reinsurance
          agreements to manage risk resulting from its life, annuity, and accident and health businesses, as well as businesses the Company has chosen to exit. In the normal course of business, the Company seeks to limit its exposure to loss on any single
          insured and to recover a portion of benefits paid by ceding risks under excess coverage and coinsurance contracts. </font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company monitors the financial exposure and
          financial strength of the reinsurers on an ongoing basis. The Company attempts to mitigate risk by securing recoverable balances with various forms of collateral, including arranging trust accounts and letters of credit with certain reinsurers.</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The effect of reinsurance on reserves and claims,
          for amounts recoverable from other insurers, was as follows:</font></div>
      <div style="margin-top:5pt;padding-left:27pt">
        <table id="z10ba874e0c9b461db7a0915ae9beb5ae" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:93.843%">

            <tr>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:57.940%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.600%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:18.580%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.600%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:18.580%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
            </tr>
            <tr>
              <td style="padding:0 1pt" colspan="3"><br>
              </td>
              <td style="padding:0 1pt" colspan="3"><br>
              </td>
              <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="9"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">For the years ended December 31,</font></td>
            </tr>
            <tr>
              <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Reduction in:</font></td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2021</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2020</font></td>
            </tr>
            <tr>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Aggregate
                  reserves</font></td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">7,602&#160;</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">6,184&#160;</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Policy and
                  contract claims</font></td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">160&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">183&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>

        </table>
      </div>
      <div style="height:58.5pt;position:relative;width:100%">
        <div style="bottom:0;position:absolute;width:100%">
          <div style="margin-bottom:6pt;margin-top:6pt;text-align:center">
            <table id="z77cdc8a04bdb43b49187ad3deb27997b" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:96.929%">

                <tr>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:32.233%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:32.233%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:32.234%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                </tr>
                <tr>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
                    <div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">35 of 42</font></div>
                    <div><br>
                      </div>
                  </td>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                </tr>

            </table>
            <font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;</font></div>
        </div>
      </div>
      <hr style="page-break-after:always">
      <div style="min-height:108pt;width:100%">
        <div style="margin-bottom:3pt;text-align:center"><br>
          </div>
        <div style="margin-bottom:3pt;text-align:center"><br>
          </div>
        <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%">ALLIANZ LIFE INSURANCE COMPANY OF NEW YORK</font></div>
        <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">Notes to the Statutory Financial Statements</font></div>
        <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">(Dollars in thousands, except share data and security holdings quantities)</font></div>
        <div style="margin-bottom:3pt;text-align:center"><br>
          </div>
        <div style="text-align:center"><br>
          </div>
        <div style="margin-bottom:6pt;margin-top:6pt"><br>
          </div>
      </div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company assumed no business from other
          companies for the years ended December&#160;31, 2021, 2020, and 2019. Life insurance, annuities, and accident and health business ceded to other companies are as follows: </font></div>
      <div style="margin-top:5pt;padding-left:27pt">
        <table id="z2707c210ba264d3e892e6633b72185bf" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:94.294%">

            <tr>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:43.008%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.596%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:16.734%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.596%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:16.734%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.596%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:16.736%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
            </tr>
            <tr>
              <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Year ended</font></td>
              <td style="padding:0 1pt" colspan="3"><br>
              </td>
              <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Direct amount</font></td>
              <td style="padding:0 1pt" colspan="3"><br>
              </td>
              <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Ceded to other companies</font></td>
              <td style="padding:0 1pt" colspan="3"><br>
              </td>
              <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Net amount</font></td>
            </tr>
            <tr>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">December 31, 2021</font></td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Life
                  insurance in force</font></td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
              <td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">750,332&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">673,079&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">77,253&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Premiums:</font></td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Life</font></td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1,171&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1,035&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">136&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Annuities</font></td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">685,610&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">685,610&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Accident
                  and health</font></td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">3,245&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">431&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2,814&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 37pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Total
                  premiums</font></td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">690,026&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1,466&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">688,560&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr style="height:12pt">
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-top:3pt double #000000;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-top:3pt double #000000;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-top:3pt double #000000;padding:0 1pt" colspan="3"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">December 31, 2020</font></td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Life
                  insurance in force</font></td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
              <td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">328,472&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">293,458&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">35,014&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Premiums:</font></td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Life</font></td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">884&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">734&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">150&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Annuities</font></td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">425,561&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">425,561&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Accident
                  and health</font></td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">3,224&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">436&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2,788&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 37pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Total
                  premiums</font></td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">429,669&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1,170&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">428,499&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr style="height:12pt">
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-top:3pt double #000000;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-top:3pt double #000000;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-top:3pt double #000000;padding:0 1pt" colspan="3"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">December 31, 2019</font></td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Life
                  insurance in force</font></td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
              <td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">49,947&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">42,359&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">7,588&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Premiums:</font></td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Life</font></td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">807&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">655&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">152&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Annuities</font></td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">371,966&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">371,966&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Accident
                  and health</font></td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">3,341&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">444&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2,897&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 37pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Total
                  premiums</font></td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
              <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">376,114&#160;</font></td>
              <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1,099&#160;</font></td>
              <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">375,015&#160;</font></td>
              <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>

        </table>
      </div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">There are no nonaffiliated reinsurers owned in
          excess of 10% or controlled, either directly or indirectly, by the Company or by a representative, officer, trustee, or director of the Company. </font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">There are no policies issued by the Company that
          have been reinsured with a company chartered in a country other than the United States that is owned in excess of 10% or controlled directly or indirectly by an insured, a beneficiary, a creditor, or any other person not primarily engaged in the
          insurance business. </font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company does not have any reinsurance
          agreements in effect under which the reinsurer may unilaterally cancel any reinsurance for reasons other than for nonpayment of premium or other similar credits. </font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company does not have reinsurance agreements
          in effect such that the amount of losses paid or accrued through the statement date may result in a payment to the reinsurer of amounts that, in aggregate and allowing for offset of mutual credits from other reinsurance agreements with the same
          reinsurer, exceed the total direct premium collected under the reinsured policies. </font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company did not write off any uncollectible
          recoverables during 2021, 2020, and 2019.</font></div>
      <div style="height:58.5pt;position:relative;width:100%">
        <div style="bottom:0;position:absolute;width:100%">
          <div style="margin-bottom:6pt;margin-top:6pt;text-align:center">
            <table id="z7e2f199686af4dc4bdd70821fc1210ff" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:96.929%">

                <tr>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:32.233%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:32.233%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:32.234%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                </tr>
                <tr>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
                    <div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">36 of 42</font></div>
                    <div><br>
                      </div>
                  </td>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                </tr>

            </table>
            <font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;</font></div>
        </div>
      </div>
      <hr style="page-break-after:always">
      <div style="min-height:108pt;width:100%">
        <div style="margin-bottom:3pt;text-align:center"><br>
          </div>
        <div style="margin-bottom:3pt;text-align:center"><br>
          </div>
        <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%">ALLIANZ LIFE INSURANCE COMPANY OF NEW YORK</font></div>
        <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">Notes to the Statutory Financial Statements</font></div>
        <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">(Dollars in thousands, except share data and security holdings quantities)</font></div>
        <div style="margin-bottom:3pt;text-align:center"><br>
          </div>
        <div style="text-align:center"><br>
          </div>
        <div style="margin-bottom:6pt;margin-top:6pt"><br>
          </div>
      </div>
      <div style="margin-bottom:6pt;margin-top:6pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">(10)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Annuity Actuarial Reserves and Deposit Liabilities
          by Withdrawal Characteristics</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Information regarding the Company&#8217;s annuity
          actuarial reserves and deposit liabilities by withdrawal characteristics at December&#160;31 is as follows:</font></div>
      <div style="margin-top:5pt;padding-left:27pt">
        <table id="z22262a1de0084031883dc96d77604127" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.849%">

            <tr>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:45.666%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.551%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:11.982%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.551%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:10.930%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.551%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:11.982%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.551%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:10.936%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
            </tr>
            <tr>
              <td style="padding:0 1pt" colspan="3"><br>
              </td>
              <td style="padding:0 1pt" colspan="3"><br>
              </td>
              <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2021</font></td>
              <td style="padding:0 1pt" colspan="3"><br>
              </td>
              <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Percentage of total</font></td>
              <td style="padding:0 1pt" colspan="3"><br>
              </td>
              <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2020</font></td>
              <td style="padding:0 1pt" colspan="3"><br>
              </td>
              <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Percentage of total</font></td>
            </tr>
            <tr>
              <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Subject to
                  discretionary withdrawal:</font></td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">With
                  market value adjustment</font></td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
              <td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">102,531&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">%</font></td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
              <td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">94,060&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">%</font></td>
            </tr>
            <tr>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 21.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">At book
                  value less current surrender charges of 5% or more</font></td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1,687,975&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">36&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1,172,480&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">30&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">At market
                  value</font></td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2,077,042&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">44&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2,087,722&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">53&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 25.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Total with
                  adjustment or at market value</font></td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">3,867,548&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">82&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">3,354,262&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">85&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 21.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">At book
                  value without adjustment (minimal or no charge or adjustment)</font></td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">742,702&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">16&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">489,561&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">12&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Not
                  subject to discretionary withdrawal</font></td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">59,964&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">78,609&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">3&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 30.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Total
                  gross</font></td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">4,670,214&#160;</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">100&#160;</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">%</font></td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">3,922,432&#160;</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">100&#160;</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">%</font></td>
            </tr>
            <tr>
              <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Reinsurance ceded</font></td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:3pt double #000000;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:3pt double #000000;padding:0 1pt" colspan="3"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 30.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Total net</font></td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">4,670,214&#160;</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">3,922,432&#160;</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Amount included in At
                  book value less current charges of 5% or more that will move to At book value without adjustment in the year after the statement date:</font></td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-bottom:1pt solid #000;border-top:3pt double #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
              <td style="background-color:#cceeff;border-bottom:1pt solid #000;border-top:3pt double #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">271,907&#160;</font></td>
              <td style="background-color:#cceeff;border-bottom:1pt solid #000;border-top:3pt double #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-bottom:1pt solid #000;border-top:3pt double #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
              <td style="background-color:#cceeff;border-bottom:1pt solid #000;border-top:3pt double #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#cceeff;border-bottom:1pt solid #000;border-top:3pt double #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
            </tr>

        </table>
      </div>
      <div style="padding-left:27pt">
        <table id="za0f6605e5f9b42d88bca45d1a3d9437e" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:94.444%">

            <tr>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:66.785%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.912%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:14.003%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.594%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:14.006%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Reconciliation of
                  total annuity actuarial reserves and deposit fund liabilities:</font></td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2021</font></td>
              <td style="padding:0 1pt" colspan="3"><br>
              </td>
              <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2020</font></td>
            </tr>
            <tr>
              <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Life, Accident and
                  Health Annual Statement:</font></td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 34.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Annuities,
                  net (excluding supplementary contracts with life contingencies)</font></td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
              <td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">342,115&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">376,832&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 25.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Supplemental
                  contracts with life contingencies, net</font></td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">21,030&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">20,886&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 25.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Deposit-type
                  contracts</font></td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">6,122&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">4,956&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 43.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Subtotal</font></td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">369,267&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">402,674&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Separate Accounts
                  Annual Statement:</font></td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 34.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Annuities,
                  net (excluding supplementary contracts with life contingencies)</font></td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">4,300,405&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">3,519,106&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 25.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Supplemental
                  contracts with life contingencies, net</font></td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">542&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">652&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 43.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Subtotal</font></td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">4,300,947&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">3,519,758&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 55pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Total annuity
                  actuarial reserves and deposit fund liabilities</font></td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
              <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">4,670,214&#160;</font></td>
              <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">3,922,432&#160;</font></td>
              <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>

        </table>
      </div>
      <div style="height:58.5pt;position:relative;width:100%">
        <div style="bottom:0;position:absolute;width:100%">
          <div style="margin-bottom:6pt;margin-top:6pt;text-align:center">
            <table id="z547b6f7635084bd3991698772765f9db" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:96.929%">

                <tr>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:32.233%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:32.233%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:32.234%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                </tr>
                <tr>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
                    <div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">37 of 42</font></div>
                    <div><br>
                      </div>
                  </td>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                </tr>

            </table>
            <font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;</font></div>
        </div>
      </div>
      <hr style="page-break-after:always">
      <div style="min-height:108pt;width:100%">
        <div style="margin-bottom:3pt;text-align:center"><br>
          </div>
        <div style="margin-bottom:3pt;text-align:center"><br>
          </div>
        <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%">ALLIANZ LIFE INSURANCE COMPANY OF NEW YORK</font></div>
        <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">Notes to the Statutory Financial Statements</font></div>
        <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">(Dollars in thousands, except share data and security holdings quantities)</font></div>
        <div style="margin-bottom:3pt;text-align:center"><br>
          </div>
        <div style="text-align:center"><br>
          </div>
        <div style="margin-bottom:6pt;margin-top:6pt"><br>
          </div>
      </div>
      <div style="margin-bottom:6pt;margin-top:6pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">(11)&#160;&#160;&#160;&#160;Life Actuarial Reserves by Withdrawal Characteristics</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Information regarding the Company&#8217;s life actuarial
          reserves by withdrawal characteristics at December&#160;31 is as follows: </font></div>
      <div style="margin-top:5pt;padding-left:27pt">
        <table id="z07a7e960dc29471094ea515720bc44c5" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:94.444%">

            <tr>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:48.502%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:15.593%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:15.911%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:15.594%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
            </tr>
            <tr>
              <td style="padding:0 1pt" colspan="3"><br>
              </td>
              <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="9"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2021</font></td>
            </tr>
            <tr>
              <td style="background-color:#cceeff;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">General Account</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Account value</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Cash value</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Reserve</font></td>
            </tr>
            <tr>
              <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 10pt 2px 1pt;text-align:justify;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Subject to discretionary withdrawal, surrender values, or policy loans:</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
              </td>
            </tr>
            <tr>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
            </tr>
            <tr>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Universal
                  life</font></td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
              <td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">23&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">16&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">594&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
            </tr>
            <tr>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
            </tr>
            <tr>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
            </tr>
            <tr>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Indexed
                  life</font></td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1,825&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1,710&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1,780&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Other
                  permanent cash value life insurance</font></td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">303&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">303&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">303&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
            </tr>
            <tr>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
            </tr>
            <tr>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Miscellaneous
                  reserves</font></td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">7,000&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#cceeff;padding:2px 10pt 2px 1pt;text-align:justify;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Not
                  subject to discretionary withdrawal or no cash values:</font></td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Term
                  policies without cash value</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">XXX</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">XXX</font></td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">806&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
            </tr>
            <tr>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
            </tr>
            <tr>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
            </tr>
            <tr>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Miscellaneous
                  reserves</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">XXX</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">XXX</font></td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">16,282&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 25.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Total
                  gross</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2,151&#160;</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2,029&#160;</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">26,765&#160;</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 37pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Reinsurance
                  ceded</font></td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1,441&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
                <div style="padding-left:54pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Total net </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:6.5pt;font-weight:400;line-height:100%;position:relative;top:-3.5pt;vertical-align:baseline">(1)</font></div>
              </td>
              <td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
              <td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2,151&#160;</font></td>
              <td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2,029&#160;</font></td>
              <td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">25,324&#160;</font></td>
              <td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="12">
                <div style="padding-left:9pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(1)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> Balances reflected within this disclosure reside in the Company's general account; the Company's separate accounts do not
                    contain Life business.</font></div>
              </td>
            </tr>
            <tr style="height:8pt">
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="9"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2020</font></td>
            </tr>
            <tr>
              <td style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">General Account</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Account value</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Cash value</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Reserve</font></td>
            </tr>
            <tr>
              <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 10pt 2px 1pt;text-align:justify;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Subject to discretionary withdrawal, surrender values, or policy loans:</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
              </td>
            </tr>
            <tr>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
            </tr>
            <tr>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Universal
                  life</font></td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
              <td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">37&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">28&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">969&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
            </tr>
            <tr>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
            </tr>
            <tr>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
            </tr>
            <tr>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Indexed
                  life</font></td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1,644&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1,511&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1,580&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Other
                  permanent cash value life insurance</font></td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">354&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">354&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">354&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
            </tr>
            <tr>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
            </tr>
            <tr>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
            </tr>
            <tr>
              <td style="background-color:#cceeff;padding:2px 10pt 2px 1pt;text-align:justify;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Not
                  subject to discretionary withdrawal or no cash values:</font></td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Term
                  policies without cash value</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">XXX</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">XXX</font></td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">271&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
            </tr>
            <tr>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
            </tr>
            <tr>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
            </tr>
            <tr>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Miscellaneous
                  reserves</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">XXX</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">XXX</font></td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">13,223&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 25.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Total
                  gross</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2,035&#160;</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1,893&#160;</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">16,398&#160;</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 37pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Reinsurance
                  ceded</font></td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">357&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
                <div style="padding-left:54pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Total net </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:6.5pt;font-weight:400;line-height:100%;position:relative;top:-3.5pt;vertical-align:baseline">(1)</font></div>
              </td>
              <td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
              <td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2,035&#160;</font></td>
              <td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1,893&#160;</font></td>
              <td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">16,040&#160;</font></td>
              <td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="12">
                <div style="padding-left:9pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(1)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> Balances reflected within this disclosure reside in the Company's general account; the Company's separate accounts do not
                    contain Life business.</font></div>
              </td>
            </tr>

        </table>
      </div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company does not have any Life policies with either guarantees or
          nonguarantees in the separate account.</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt">
        <table id="z763fee068d9d4439bc7b32350205e1d6" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:94.744%">

            <tr>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:57.061%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:19.819%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:19.820%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
            </tr>
            <tr style="height:3pt">
              <td style="padding:0 1pt" colspan="6"><br>
              </td>
              <td style="padding:0 1pt" colspan="3"><br>
              </td>
            </tr>
            <tr style="height:5pt">
              <td style="padding:0 1pt" colspan="3"><br>
              </td>
              <td style="padding:0 1pt" colspan="3"><br>
              </td>
              <td style="padding:0 1pt" colspan="3"><br>
              </td>
            </tr>
            <tr>
              <td style="padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Reconciliation of total life actuarial
                  reserves:</font></td>
              <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2021</font></td>
              <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2020</font></td>
            </tr>
            <tr>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 19pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Life,
                  Accident, and Health Annual Statement:</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 25.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Life
                  insurance, net</font></td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
              <td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2,997&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
              <td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2,781&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
            </tr>
            <tr>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
            </tr>
            <tr>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
            </tr>
            <tr>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 25.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Miscellaneous
                  reserves, net</font></td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">22,327&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">13,259&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
            </tr>
            <tr>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
            </tr>
            <tr>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
            </tr>
            <tr>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
            </tr>
            <tr>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 66.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Total life
                  actuarial reserves</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">25,324&#160;</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">16,040&#160;</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr style="height:5pt">
              <td style="padding:0 1pt" colspan="3"><br>
              </td>
              <td style="border-top:3pt double #000000;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="border-top:3pt double #000000;padding:0 1pt" colspan="3"><br>
              </td>
            </tr>
            <tr style="height:5pt">
              <td style="padding:0 1pt" colspan="3"><br>
              </td>
              <td style="padding:0 1pt" colspan="3"><br>
              </td>
              <td style="padding:0 1pt" colspan="3"><br>
              </td>
            </tr>

        </table>
      </div>
      <div style="height:45pt;position:relative;width:100%">
        <div style="bottom:0;position:absolute;width:100%">
          <div style="margin-bottom:6pt;margin-top:6pt;text-align:center">
            <table id="z592da7438b10439485a86fb4e06a6d59" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:96.929%">

                <tr>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:32.233%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:32.233%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:32.234%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                </tr>
                <tr>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
                    <div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">38 of 42</font></div>
                    <div><br>
                      </div>
                  </td>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                </tr>

            </table>
            <font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;</font></div>
        </div>
      </div>
      <hr style="page-break-after:always">
      <div style="min-height:108pt;width:100%">
        <div style="margin-bottom:3pt;text-align:center"><br>
          </div>
        <div style="margin-bottom:3pt;text-align:center"><br>
          </div>
        <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%">ALLIANZ LIFE INSURANCE COMPANY OF NEW YORK</font></div>
        <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">Notes to the Statutory Financial Statements</font></div>
        <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">(Dollars in thousands, except share data and security holdings quantities)</font></div>
        <div style="margin-bottom:3pt;text-align:center"><br>
          </div>
        <div style="text-align:center"><br>
          </div>
        <div style="margin-bottom:6pt;margin-top:6pt"><br>
          </div>
      </div>
      <div style="margin-bottom:6pt;margin-top:6pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">(12)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Separate Accounts</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company&#8217;s separate accounts represent funds
          held for the benefit of contract holders entitled to payments under variable annuity contracts issued through the Company&#8217;s separate accounts and underwritten by the Company. </font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">As of December&#160;31, 2021 and 2020, the Company's
          separate accounts are classified as nonguaranteed. Information regarding the Company&#8217;s separate accounts for the years ended December&#160;31 is as follows:</font></div>
      <div style="margin-top:5pt;padding-left:27pt">
        <table id="z6b09dc5097ec42c9a0d50cd55598567e" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:85.885%">

            <tr>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:55.368%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:19.879%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.373%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:19.880%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
            </tr>
            <tr>
              <td style="padding:0 1pt" colspan="3"><br>
              </td>
              <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2021</font></td>
              <td style="padding:0 1pt" colspan="3"><br>
              </td>
              <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2020</font></td>
            </tr>
            <tr>
              <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Premiums,
                  considerations, or deposits</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">643,502&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">401,472&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Reserves for accounts
                  with assets at fair value</font></td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2,427,721&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2,338,554&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Reserves for account,
                  with assets at amortized cost</font></td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1,873,227&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1,181,205&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 37pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Total
                  reserves</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">4,300,948&#160;</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">3,519,759&#160;</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">By withdrawal
                  characteristics:</font></td>
              <td style="background-color:#cceeff;border-top:3pt double #000;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:3pt double #000;padding:0 1pt" colspan="3"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 9.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">At fair
                  value</font></td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1,337,089&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2,337,902&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 9.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">At book
                  value without MV adjustment and with current surrender charge of 5% or more</font></td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2,427,179&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">921,552&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 9.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">At book
                  value without MV adjustment and with current surrender charge of less than 5%</font></td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">536,138&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">259,653&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 37pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Subtotal</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">4,300,406&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">3,519,107&#160;</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 9.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Not subject
                  to discretionary withdrawal</font></td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">542&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">652&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 37pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Total</font></td>
              <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
              <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">4,300,948&#160;</font></td>
              <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">3,519,759&#160;</font></td>
              <td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>

        </table>
      </div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">As of December&#160;31, 2021 and 2020, the Company&#8217;s
          separate accounts included legally insulated assets and non-insulated assets attributed to the following products/transactions: </font></div>
      <div style="margin-top:5pt;padding-left:27pt">
        <table id="z00f64799b67c45b0968e84fa8d01e9e3" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:94.594%">

            <tr>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:36.836%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.911%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:13.344%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.911%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:13.344%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.069%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:13.344%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.593%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:13.348%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
            </tr>
            <tr>
              <td style="padding:0 1pt" colspan="3"><br>
              </td>
              <td style="padding:0 1pt" colspan="3"><br>
              </td>
              <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="9"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2021</font></td>
              <td style="padding:0 1pt" colspan="3"><br>
              </td>
              <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="9"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2020</font></td>
            </tr>
            <tr>
              <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Product/transaction</font></td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Legally insulated</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Not legally insulated</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Legally insulated</font></td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Not legally insulated</font></td>
            </tr>
            <tr>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Variable Annuities</font></td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2,108,248&#160;</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2,130,361&#160;</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Variable Annuities
                  (Non-Unitized Non-Insulated)</font></td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2,339,056&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1,643,505&#160;</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 37pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Total</font></td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
              <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2,108,248&#160;</font></td>
              <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2,339,056&#160;</font></td>
              <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2,130,361&#160;</font></td>
              <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1,643,505&#160;</font></td>
              <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>

        </table>
      </div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company&#8217;s separate account liabilities contain
          guaranteed benefits. The liabilities for guaranteed benefits are supported by the Company&#8217;s general account assets. To compensate the general account for the risk taken, the separate account paid risk charges of $25,752, $26,544, $37,538,
          $36,073, and $33,270 during the past five years, respectively. The general account of the Company paid $191, $929, $1,019, $465, and $13 towards separate account guarantees during the past five years, respectively.</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">A reconciliation of net transfers to separate
          accounts for the years ended December 31 is included in the following table: </font></div>
      <div style="margin-top:5pt;padding-left:27pt">
        <table id="zcfe4953820f1401b8d192f137a3e92ec" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:94.444%">

            <tr>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:55.338%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.912%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:12.413%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.912%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:12.413%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:0.594%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:12.418%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
            </tr>
            <tr>
              <td style="padding:0 1pt" colspan="3"><br>
              </td>
              <td style="padding:0 1pt" colspan="3"><br>
              </td>
              <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2021</font></td>
              <td style="padding:0 1pt" colspan="3"><br>
              </td>
              <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2020</font></td>
              <td style="padding:0 1pt" colspan="3"><br>
              </td>
              <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2019</font></td>
            </tr>
            <tr>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 10pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Transfers as
                  reported in the Summary of Operations of the Separate Accounts Annual Statement:</font></td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 25.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Transfers
                  to separate accounts</font></td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
              <td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">643,502&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">401,472&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">352,992&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 25.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Transfers
                  from separate accounts</font></td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(285,061)</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(215,753)</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(217,517)</font></td>
              <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 37pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Net transfers
                  to separate accounts</font></td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">358,441&#160;</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">185,719&#160;</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">135,475&#160;</font></td>
              <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Reconciling
                  adjustments:</font></td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
            </tr>
            <tr>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 25.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Other
                  adjustments</font></td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">97&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">296&#160;</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(495)</font></td>
              <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>
            <tr>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
              <td style="display:none" colspan="3"></td>
            </tr>
            <tr>
              <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Transfers as reported
                  in the Statutory Statements of Operations</font></td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
              <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">358,538&#160;</font></td>
              <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">186,015&#160;</font></td>
              <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
              <td style="background-color:#cceeff;border-bottom:3pt double #000000;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">134,980&#160;</font></td>
              <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
              </td>
            </tr>

        </table>
      </div>
      <div style="height:58.5pt;position:relative;width:100%">
        <div style="bottom:0;position:absolute;width:100%">
          <div style="margin-bottom:6pt;margin-top:6pt;text-align:center">
            <table id="z1e2abdc302f247f3944e06d35d54821a" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:96.929%">

                <tr>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:32.233%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:32.233%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:32.234%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                </tr>
                <tr>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
                    <div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">39 of 42</font></div>
                    <div><br>
                      </div>
                  </td>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                </tr>

            </table>
            <font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;</font></div>
        </div>
      </div>
      <hr style="page-break-after:always">
      <div style="min-height:108pt;width:100%">
        <div style="margin-bottom:3pt;text-align:center"><br>
          </div>
        <div style="margin-bottom:3pt;text-align:center"><br>
          </div>
        <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%">ALLIANZ LIFE INSURANCE COMPANY OF NEW YORK</font></div>
        <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">Notes to the Statutory Financial Statements</font></div>
        <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">(Dollars in thousands, except share data and security holdings quantities)</font></div>
        <div style="margin-bottom:3pt;text-align:center"><br>
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      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt;text-align:justify;text-indent:-27pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">(13) &#160;&#160;&#160;&#160;Related-Party
          Transactions</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify;text-indent:-27pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">(a) &#160;&#160;&#160;&#160;Real
          Estate</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company subleases office space from an
          affiliate. In connection with this agreement, the Company incurred rent expense of $82, $76, and $56 in 2021, 2020, and 2019, respectively, which is included in General and administrative expenses on the Statutory Statements of Operations.</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify;text-indent:-27pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">(b)
          &#160;&#160;&#160;&#160;Service Fees</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company incurred fees for administrative
          services provided by Allianz Life of $14,025, $10,372 and $10,113 in 2021, 2020, and 2019, respectively. The Company&#8217;s liability for these expenses was $1,182 and $1,272 as of December&#160;31, 2021 and 2020, respectively, and is included in Payable
          to parent and affiliates on the Statutory Statements of Admitted Assets, Liabilities, and Capital and Surplus. In the normal course of business, the outstanding amount is settled in cash. </font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company incurred fees for investment advisory
          services provided by affiliated companies of $1,486, $1,128, and $870 in 2021, 2020, and 2019, respectively. The Company&#8217;s liability for these charges was $143 and $108 as of December&#160;31, 2021 and 2020, respectively, and is included in Payable to
          parent and affiliates on the Statutory Statements of Admitted Assets, Liabilities, and Capital and Surplus. In the normal course of business, the outstanding amount is settled in cash.</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company has an agreement with Allianz
          Investment Management, LLC which has subsequent agreements with its affiliates Pacific Investment Management Company (PIMCO), Oppenheimer Capital LLC (OpCap), and with certain other related parties whereby (1) specific investment options managed
          by PIMCO and OpCap are made available through the Company's separate accounts to holders of the Company's variable annuity products, and (2) the Company receives compensation for providing administrative and recordkeeping services relating to the
          investment options managed by PIMCO and OpCap. Income recognized by the Company from these affiliates for distribution and in-force related costs as a result of providing investment options to the contractholders was $729, $787, and $885 during
          2021, 2020, and 2019, respectively, which is included in Fees from separate accounts on the Statutory Statements of Operations. The related receivable for the fees was $57 and $66 at December&#160;31, 2021 and 2020, respectively, which is included in
          Other assets on the Statutory Statements of Admitted Assets, Liabilities, and Capital and Surplus.</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company has incurred commission expense
          related to the distribution of variable annuity products from Allianz Life Financial Services, LLC, (ALFS), an affiliated company, in the amount of $46,892, $31,064, and $27,988 for the years ended December&#160;31, 2021, 2020, and 2019, respectively.
        </font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company has an agreement with ALFS, whereby
          12b-1 fee receivables are assigned to the Company and Allianz Life. The Company has also agreed with Allianz Life to share in reimbursing ALFS for direct and indirect expenses incurred in performing services for the Company and Allianz Life. In
          the event that assigned receivables exceed expenses, ALFS records a loss on the transaction with the Company and a dividend-in-kind to Allianz Life. The Company recorded revenue from this agreement of $4,261, $3,936, and $4,163 for the years
          ended December&#160;31, 2021, 2020, and 2019, respectively. The Company recorded expenses related to this agreement of $8,528, $6,027, and $7,135 for the years ended December&#160;31, 2021, 2020, and 2019, respectively.</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify;text-indent:-27pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">(c)
          &#160;&#160;&#160;&#160;Reinsurance</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company cedes certain term life and universal
          life insurance policies to Allianz Life. At December&#160;31, 2021 and 2020, the Company had no reinsurance recoverables and receivables from Allianz Life included in Other assets on the Statutory Statements of Admitted Assets, Liabilities, and
          Capital and Surplus.</font></div>
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            <font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;</font></div>
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        <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%">ALLIANZ LIFE INSURANCE COMPANY OF NEW YORK</font></div>
        <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">Notes to the Statutory Financial Statements</font></div>
        <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">(Dollars in thousands, except share data and security holdings quantities)</font></div>
        <div style="margin-bottom:3pt;text-align:center"><br>
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        <div style="text-align:center"><br>
          </div>
        <div style="margin-bottom:6pt;margin-top:6pt"><br>
          </div>
      </div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify;text-indent:-27pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">(d) &#160;&#160;&#160;&#160;Line
          of Credit Agreement</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company has a line of credit agreement with
          its parent, Allianz Life Insurance Company of North America (Allianz Life) to provide liquidity as needed. The Company&#8217;s borrowing capacity under the agreement is limited to 5% of the general account admitted assets of the Company as of the
          preceding year end. The interest rate for borrowing under the agreement is based on the Secured Overnight Financing Rate (SOFR). Borrowed amounts can be prepaid at any time with no prepayment penalty. Allianz Life provided $25,000 to the Company
          under the terms of this agreement on March 17, 2020 and the loan was paid in full on April 15, 2020. There was no interest accrued as of December&#160;31, 2021 and 2020. There was no outstanding balance under the line of credit agreement as of
          December&#160;31, 2021, and 2020. </font></div>
      <div style="margin-bottom:6pt;margin-top:6pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">(14)&#160;&#160;&#160;&#160;Employee Benefit Plans</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company participates in the Allianz Asset
          Accumulation Plan (AAAP), a defined contribution plan sponsored by Allianz of America Corporation. Eligible employees are immediately enrolled in the AAAP on their first day of employment. The AAAP will accept participants&#8217; pretax, Roth 401(k),
          and/or after-tax contributions up to 80% of the participants&#8217; eligible compensation, although contributions remain subject to annual limitations set by the Internal Revenue Service. The Company matches up to a maximum of 7.5% of the employees&#8217;
          eligible compensation. Participants are 100% vested in the Company&#8217;s matching contribution after three&#160;years of service.</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The AAAP administration expenses and the trust
          fund, including trustee fees, investment manager fees, and audit fees, are payable from the trust fund but may, at the Company&#8217;s discretion, be paid by the Company. All legal fees are paid by the Company. It is the Company&#8217;s policy to fund the
          AAAP costs as incurred. The Company has expensed $328, $323, and $295 in 2021, 2020, and 2019, respectively, toward the AAAP matching contributions and administration expenses.</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">(15)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Statutory Capital and Surplus</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Statutory accounting practices prescribed or
          permitted by the Company&#8217;s state of domicile are directed toward insurer solvency and protection of policyholders. As such, the Company is required to meet minimum statutory capital and surplus requirements. The Company&#8217;s statutory capital and
          surplus as of December&#160;31, 2021 and 2020 were in compliance with these requirements. The maximum amount of dividends that can be paid by New York insurance companies to stockholders without prior approval of the Department is subject to
          restrictions relating to statutory earned surplus, also known as unassigned funds. Unassigned funds are determined in accordance with the accounting procedures and practices governing preparation of the statutory annual statement. In accordance
          with New York statutes, the Company may declare and pay from its Unassigned surplus cash dividends of not more than the lesser of 10% of its beginning-of-the year statutory surplus, or its net gain from operations of the insurer, not including
          realized gains, for the 12-month period ending the 31st day of the preceding year. Based on these restrictions, ordinary dividends of $16,301 can be paid in 2022 without prior approval of the Department. The Company paid no dividends in 2021,
          2020, and 2019.</font></div>
      <div style="padding-left:27pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Regulatory Risk-Based Capital</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">An insurance enterprise&#8217;s state of domicile
          imposes minimum risk-based capital requirements that were developed by the NAIC. The formulas for determining the amount of risk-based capital specify various weighting factors that are applied to financial balances or various levels of activity
          based on the perceived degree of risk. Regulatory compliance is determined by a ratio of an enterprise&#8217;s regulatory total adjusted capital to its authorized control level risk-based capital, as defined by the NAIC. Companies below specific
          trigger points or ratios are classified within certain levels, each of which requires specified corrective action. This ratio for the Company significantly exceeds required minimum thresholds as of December&#160;31, 2021 and 2020.</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">(16)&#160;&#160;&#160;&#160;Direct Premiums Written by Third-Party Administrators</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company has direct premiums written by
          third-party administrators (TPAs). The types of business written by the TPAs include life, accidental death and dismemberment, medical, disability, excess risk, and LTC. The authority granted to the TPAs includes claims payment, claims
          adjustment, underwriting, binding authority, and premium collection. Total premiums written by TPAs were $2,008, $883, and $803 for 2021, 2020, and 2019, respectively. </font></div>
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        <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%">ALLIANZ LIFE INSURANCE COMPANY OF NEW YORK</font></div>
        <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">Notes to the Statutory Financial Statements</font></div>
        <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">(Dollars in thousands, except share data and security holdings quantities)</font></div>
        <div style="margin-bottom:3pt;text-align:center"><br>
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      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">For the years ended December&#160;31, 2021, 2020, and
          2019, there were no individual TPAs that wrote premiums that equaled at least 5% of the capital and surplus of the Company.</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">(17)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Reconciliation to the Annual Statement</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company is required to file an Annual
          Statement with the Department. As of December&#160;31, 2021 and 2020, there is no difference in admitted assets or liabilities between this report and the Annual Statement. As of December&#160;31, 2021, 2020, and 2019, there is no difference in capital and
          surplus or net income between this report and the Annual Statement.</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">(18)&#160;&#160;&#160;&#160;Commitments and Contingencies</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company may become subject to claims and
          lawsuits that arise in the ordinary course of business. </font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company is contingently liable for possible
          future assessments under regulatory requirements pertaining to insolvencies and impairments of unaffiliated insurance companies. Provision has been made for assessments currently received and assessments anticipated for known insolvencies.</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The financial services industry, variable and
          fixed annuities, life insurance, distribution companies, and broker-dealers, is subject to close scrutiny by regulators, legislators, and the media.</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Federal and state regulators, such as state
          insurance departments, state securities departments, the SEC, the Financial Industry Regulatory Authority, the Internal Revenue Service, and other regulatory bodies regularly make inquiries and conduct examinations or investigations concerning
          various selling practices, including suitability reviews, product exchanges, sales to seniors, and compliance with, among other things, insurance and securities law. The Company may become subject to ongoing market conduct examinations and
          investigations by regulators, which may have a material adverse effect on the Company. </font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">It can be expected that annuity and life product
          designs, management, and sales practices will be an ongoing source of regulatory scrutiny and enforcement actions, litigation, and rulemaking.</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">These matters could result in legal precedents and
          new industry-wide legislation, rules, and regulations that could significantly affect the financial services industry, including life insurance and annuity companies. It is unclear at this time whether any such litigation or regulatory actions
          will have a material adverse effect on the Company in the future.</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">(19)&#160;&#160;&#160;&#160;Subsequent Events</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company has evaluated subsequent events
          through April 4, 2022, which is the date the Statutory Financial Statements were available to be issued. No material subsequent events have occurred since December&#160;31, 2021 that require adjustment to the Statutory Financial Statements. </font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">In March 2022, the Company received a capital
          contribution of $30,000 from Allianz Life.</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">As a result of the Russia/Ukraine conflict,
          economic uncertainties have arisen, which may negatively impact the Company's net income and surplus. The extent to which the conflict impacts our business, net income, and surplus, as well as our capital and liquidity position, will depend on
          future developments, which are highly uncertain and cannot be estimated, including the scope and duration of the conflict and actions taken by governmental authorities and other third parties in response to the conflict.</font></div>
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                    <div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">42 of 42</font></div>
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      <p style="page-break-before: always; font-family: 'Times New Roman',Times,serif; font-size: 10pt;"> <br>
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        <a name="xx_48f6378b-4e44-4c19-8dc2-3a0a3a72cf37_1">
        </a>
        <div style="font-family:Arial;font-size:7pt;line-height:10pt;font-weight:Normal;text-transform:none;text-align:left;vertical-align:bottom;padding-bottom:10pt;">
          <a href="#JOB_Index_3271f810-de27-47d4-9b4d-756928a3a1d0_va-toc">
            Table of Contents
          </a>
        </div>
        <div type="Block" style="width:100%;">
          <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:2pt solid #000000;height:2pt;width:100%;">
          <div style="color:#000000;font-family:Arial;font-size:11pt;font-style:Normal;font-weight:Normal;line-height:13pt;margin-top:5pt;text-align:left;text-decoration:none;text-transform:uppercase;">For Service or More Information</div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-bottom:2pt;margin-top:2pt;text-align:left;text-decoration:none;text-transform:none;"> The Statement of Additional
              Information (SAI) contains additional information about the Contract, Allianz Life, and the Separate Account. The SAI is dated the same date as this prospectus, and the SAI is incorporated by reference into this prospectus. This prospectus
              and the SAI can be found online at <font style="color:#0000FF;text-decoration:underline;"> allianzlife.com/new-york/prospectuses </font> . You can also request this information at no cost by calling (800) 624-0197, or by sending
              an email request to contact.us@allianzlife.com. </div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;"> The SEC maintains a website <font style="color:#0000FF;text-decoration:underline;"> sec.gov </font> . The prospectus, the Form N-4 SAI and other information about the Contract are available on the EDGAR database on the SEC&#8217;s website. Copies of this information may be
              obtained, upon payment of a duplicating fee, by electronic request at the following email address: publicinfo@sec.gov. </div>
          <div style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:uppercase;">Our Service Center</div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;">If you need customer service (for Contract
            changes, information on Contract Values, requesting a withdrawal or transfer, changing your allocation instructions, etc.) please contact our Service Center at <font style="font-weight:bold;">(800) 624-0197</font>.</div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;">To send an application, a check for an additional
            Purchase Payment, or for general customer service, please mail to the appropriate address as follows:</div>
          <div style="text-align:center;">
            <table cellspacing="0" cellpadding="0" id="zb39afc81e5074505ac2cac4168704437" style="border-collapse:collapse;empty-cells:show;margin-left:auto;margin-right:auto;margin-top:6pt;width:100%;">

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                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;padding-bottom:4pt;padding-left:0pt;padding-top:3pt;text-align:center; text-decoration:none;text-transform:none;vertical-align:bottom;width:100%;"> To send an application, a check for an additional Purchase Payment, <br>

                      or for general customer service, please mail to the appropriate address as follows:
                    </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;padding-left:0pt;padding-top:2.62pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;width:100%;"> REGULAR MAIL
                    </td>
                </tr>
                <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:0pt;padding-top:1.5pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;width:100%;"> Allianz Life Insurance Company of New York <br>

                      P.O. Box 59060 <br>

                      Minneapolis, MN 55459-0060
                    </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="padding-top:1.5pt;text-align:left;vertical-align:top;width:100%;"> &#160;
                    </td>
                </tr>
                <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;padding-left:0pt;padding-top:1.5pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;width:100%;"> OVERNIGHT, CERTIFIED, OR REGISTERED MAIL
                    </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-bottom:6pt;padding-left:0pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:100%;"> Allianz Life Insurance Company of New York <br>

                      5701 Golden Hills Drive <br>

                      Golden Valley, MN 55416-1297
                    </td>
                </tr>

            </table>
          </div>
          <div style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;text-align:left;text-decoration:none;text-transform:none;">&#160;&#160;&#160;&#160;</div>
          <div style="text-align:center;">
            <table cellspacing="0" cellpadding="0" id="z39340c1375fa4b9baa715946202b1a6a" style="border-bottom:0.5pt solid #000000;border-collapse:collapse;border-top:0.5pt solid #000000;empty-cells:show;margin-left:auto;margin-right:auto;margin-top:6pt;width:99.60%;">

                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;padding-bottom:4pt;padding-left:4pt;padding-right:4pt;padding-top:4pt;text-align:left; text-decoration:none;text-transform:none;vertical-align:top;width:100%;"> Checks sent to the wrong address for applications or additional Purchase Payments are forwarded to the 5701 Golden Hills Drive address listed above, which may
                      delay processing.
                    </td>
                </tr>

            </table>
          </div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-bottom:2pt;margin-top:2pt;text-align:left;text-decoration:none;text-transform:none;"> For general customer service
              by email, please use this address: <font style="color:#0000FF;text-decoration:underline;"> contact.us@allianzlife.com </font> . To send information by email, please use this address: variableannuity@send.allianzlife.com. To send
              information over the web, please upload to your account on our website at: <font style="color:#0000FF;text-decoration:underline;"> allianzlife.com/new-york </font> . If you have questions about whether you can submit certain
              information by email or over the web, please contact our Service Center. </div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;"> Until May 1, 2023, all dealers that effect
              transactions in these securities may be required to deliver a prospectus. </div>
          <div style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;margin-top:6pt;text-align:left;text-decoration:none;text-transform:none;"> EDGAR Contract ID No.:&#160;C000138153 </div>
        </div>
        <div type="Block" style="margin-top:193pt;width:100%;">
          <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:0.5pt solid #000000;height:0.5pt;width:100%;">
          <div style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:13pt;margin-bottom:2pt;margin-top:2pt;text-align:center;text-decoration:none;text-transform:none;"> Allianz Index Advantage <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#174; </sup> New York Variable Annuity Prospectus &#8211; April 29, 2022 </div>
        </div>
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          <div style="color:#000000;font-family:Arial;font-size:9pt;font-style:Normal;font-weight:bold;line-height:12pt;text-align:center;text-decoration:none;text-transform:none;">&#160;110&#160;</div>
        </div>
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    <div style="text-align: center; line-height: 11.4pt; font-family: Arial; font-size: 10pt;">PART II - INFORMATION NOT REQUIRED IN PROSPECTUS</div>
    <div style="line-height: 19.95pt; margin-top: 0.35pt;"><br style="line-height: 19.95pt;">
    </div>
    <div style="text-align: left; line-height: 11.4pt; font-family: 'Arial Narrow'; font-size: 10pt; font-weight: bold;">ITEM 13. OTHER EXPENSES OF ISSUANCE AND DISTRIBUTION.</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <br>
    <div style="line-height: 11.4pt;">
      <table cellspacing="0" cellpadding="0" border="0" id="zb38dbbe500d940ac9f25b54bfc9bbfb3" style="border-collapse: collapse; width: 50%; color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">

          <tr>
            <td style="width: 49.99%; vertical-align: top;">
              <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
              <div style="line-height: 11.4pt; margin-top: 12pt; font-family: 'Arial Narrow', sans-serif;">Securities and Exchange Commission Registration Fee</div>
            </td>
            <td style="width: 50.01%; vertical-align: middle;">
              <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
              <div style="text-align: center; line-height: 11.4pt; margin-top: 12pt; font-family: 'Arial Narrow', sans-serif;">$ 25,760</div>
            </td>
          </tr>
          <tr>
            <td style="width: 49.99%; vertical-align: top;">&#160;</td>
            <td style="width: 50.01%; vertical-align: middle;">
              <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
              <div style="text-align: center; line-height: 11.4pt; margin-top: 12pt; font-family: 'Times New Roman', serif;">--------------</div>
            </td>
          </tr>
          <tr>
            <td style="width: 49.99%; vertical-align: top;">
              <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
              <div style="line-height: 11.4pt; margin-top: 12pt; font-family: 'Arial Narrow', sans-serif;">Estimated Printing and Filing Costs:</div>
            </td>
            <td style="width: 50.01%; vertical-align: middle;">
              <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
              <div style="text-align: center; line-height: 11.4pt; margin-top: 12pt; font-family: 'Arial Narrow', sans-serif;">$ 30,000</div>
            </td>
          </tr>
          <tr>
            <td style="width: 49.99%; vertical-align: top;">&#160;</td>
            <td style="width: 50.01%; vertical-align: middle;">
              <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
              <div style="text-align: center; line-height: 11.4pt; margin-top: 12pt; font-family: 'Times New Roman', serif;">--------------</div>
            </td>
          </tr>
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            <td style="width: 49.99%; vertical-align: top;">
              <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
              <div style="line-height: 11.4pt; margin-top: 12pt; font-family: 'Arial Narrow', sans-serif;">Estimated Accounting Fees:</div>
            </td>
            <td style="width: 50.01%; vertical-align: middle;">
              <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
              <div style="text-align: center; line-height: 11.4pt; margin-top: 12pt; font-family: 'Arial Narrow', sans-serif;">$ 60,000</div>
            </td>
          </tr>
          <tr>
            <td style="width: 49.99%; vertical-align: top;">&#160;</td>
            <td style="width: 50.01%; vertical-align: middle;">
              <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
              <div style="text-align: center; line-height: 11.4pt; margin-top: 12pt; font-family: 'Times New Roman', serif;">---------------</div>
            </td>
          </tr>
          <tr>
            <td style="width: 49.99%; vertical-align: top;">
              <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
              <div style="line-height: 11.4pt; margin-top: 12pt; font-family: 'Arial Narrow', sans-serif;">Estimated Legal Fees:</div>
            </td>
            <td style="width: 50.01%; vertical-align: middle;">
              <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
              <div style="text-align: center; line-height: 11.4pt; margin-top: 12pt; font-family: 'Arial Narrow', sans-serif;">$175,000</div>
            </td>
          </tr>
          <tr>
            <td style="width: 49.99%; vertical-align: top;">&#160;</td>
            <td style="width: 50.01%; vertical-align: middle;">
              <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
              <div style="text-align: center; line-height: 11.4pt; margin-top: 12pt; font-family: 'Times New Roman', serif;">---------------</div>
            </td>
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              <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
              <div style="line-height: 11.4pt; margin-top: 12pt; font-family: 'Arial Narrow', sans-serif;">Estimated Miscellaneous Fees:</div>
            </td>
            <td style="width: 50.01%; vertical-align: middle;">
              <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
              <div style="text-align: center; line-height: 11.4pt; margin-top: 12pt; font-family: 'Arial Narrow', sans-serif;">N/A</div>
            </td>
          </tr>
          <tr>
            <td style="width: 49.99%; vertical-align: top;">&#160;</td>
            <td style="width: 50.01%; vertical-align: middle;">
              <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
              <div style="text-align: center; line-height: 11.4pt; margin-top: 12pt; font-family: 'Times New Roman', serif;">---------------</div>
            </td>
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    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: left; line-height: 11.4pt; margin-top: 6.7pt; font-family: 'Arial Narrow'; font-size: 10pt; font-weight: bold;">ITEM 14. INDEMNIFICATION OF OFFICERS AND DIRECTORS.</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: left; line-height: 11.85pt; font-family: 'Arial Narrow'; font-size: 10pt;">The Bylaws of the Insurance Company provide:</div>
    <div style="line-height: 11.85pt;"><br style="line-height: 11.85pt;">
    </div>
    <div style="text-align: left; line-height: 11.85pt; font-family: 'Arial Narrow'; font-size: 10pt;">ARTICLE X</div>
    <div style="text-align: left; line-height: 11.85pt; font-family: 'Arial Narrow'; font-size: 10pt;">INDEMNIFICATION OF OFFICERS, DIRECTORS AND EMPLOYEES</div>
    <div style="line-height: 11.85pt;"><br style="line-height: 11.85pt;">
    </div>
    <div style="text-align: left; line-height: 11.85pt; font-family: 'Arial Narrow'; font-size: 10pt;">To the fullest extent allowed under New York law, the Company shall indemnify officers, directors and employees of the Company. No director shall be
      personally liable to the Company or any of its shareholders for damages for any breach of duty as a director; provided, however, that the foregoing provision shall not eliminate or limit (i) the liability of a director if a judgment or other final
      adjudication adverse to him or her establishes that his or her acts or omissions were in bad faith or involved intentional misconduct or were acts or omissions (a) which he or she knew or reasonably should have known violated the New York Insurance
      Law or (b) which violated a specific standard of care imposed on directors directly, and not by reference, by a provision of the New York Insurance Law (or any regulations promulgated thereunder) or (c) which constituted a knowing violation of any
      other law, or establishes that he or she personally gained in fact a financial profit or other advantage to which he or she was not legally entitled; or (ii) the liability of a director for any act or omission prior to adoption of these Restated
      Bylaws by the shareholders of the Company.</div>
    <div style="line-height: 11.85pt;"><br style="line-height: 11.85pt;">
    </div>
    <div style="text-align: left; line-height: 11.85pt; font-family: 'Arial Narrow'; font-size: 10pt;">Insofar as indemnification for liabilities arising under the Securities Act of 1933 may be permitted to directors, officers and controlling persons of
      the Insurance Company pursuant to the foregoing provisions, or otherwise, the Insurance Company has been advised that in the opinion of the Securities and Exchange Commission such indemnification is against public policy as expressed in the Act and,
      is therefore, unenforceable. In the event that a claim for indemnification against such liabilities (other than the payment by the Insurance Company of expenses incurred or paid by a director, officer or controlling person of the Insurance Company in
      the successful defense of any action, suit or proceeding) is asserted by such director, officer or controlling person in connection with the securities being registered, the Insurance Company will, unless in the opinion of its counsel the matter has
      been settled by controlling precedent, submit to a court of appropriate jurisdiction the question whether such indemnification by it is against public policy as expressed in the Act and will be governed by the final adjudication of such issue.</div>
    <div style="line-height: 11.85pt; margin-top: 6.05pt;"><br style="line-height: 11.85pt;">
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    <div style="text-align: left; line-height: 11.4pt; font-family: 'Arial Narrow'; font-size: 10pt; font-weight: bold;">ITEM 15. RECENT SALES OF UNREGISTERED SECURITIES.</div>
    <div style="line-height: 11.4pt; margin-top: 0.25pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: left; line-height: 11.4pt; font-family: 'Arial Narrow'; font-size: 10pt;">NOT APPLICABLE.</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: left; line-height: 11.4pt; font-family: 'Arial Narrow'; font-size: 10pt; font-weight: bold;">ITEM 16. EXHIBITS AND FINANCIAL STATEMENT SCHEDULES.</div>
    <div style="line-height: 11.4pt; margin-top: 0.05pt;"><br style="line-height: 11.4pt;">
    </div>
    <div><font style="font-family: Calibri; font-size: 10pt;">(a)</font><font id="TRGRRTFtoHTMLTab" style="text-indent: 0px; font-size: 5.59pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;</font><font style="font-family: 'Arial Narrow'; font-size: 10pt; font-weight: bold;">Exhibits.</font></div>
    <div style="line-height: 11.4pt; margin-top: 0.35pt;"><br style="line-height: 11.4pt;">
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="zdd25fbece5ca43319b882c24c06b1e91" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 22.5pt; vertical-align: top; align: right;">
              <div style="margin-left: 1.05pt; line-height: 11.85pt; font-family: Calibri;">1.</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="line-height: 11.85pt; font-family: 'Arial Narrow';">(a) <a href="https://www.sec.gov/Archives/edgar/data/845775/0000928389-97-000126.txt">Principal Underwriter Agreement</a> by and between Preferred Life Insurance Company of New
                York on behalf of Preferred Life Variable Account C and NALAC Financial Plans, Inc. incorporated by reference as exhibit EX-99.B3.a. from Registrant&#8217;s Pre-Effective Amendment No. 1 to Form N-4 (File Nos. 333-19699 and 811-05716)
                electronically filed on May 12, 1997. Preferred Life Insurance Company of New York is the predecessor to Allianz Life Insurance Company of New York. Preferred Life Variable Account C is the predecessor to Allianz Life of NY Variable Account
                C. NALAC Financial Plans, Inc., is the predecessor to USAllianz Investor Services, LLC, which is the predecessor to Allianz Life Financial Services, LLC.</div>
            </td>
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      </table>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="zb1505b117312418d8e522acf32926e0d" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 4.8pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 22.5pt; vertical-align: top; align: right;">
              <div style="margin-left: 7.5pt; line-height: 11.85pt; margin-top: 4.8pt; font-family: Calibri;">(b)</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-indent: 13.25pt; line-height: 11.85pt; margin-top: 4.8pt; font-family: 'Arial Narrow';"><a href="https://www.sec.gov/Archives/edgar/data/845775/000084577510000037/ex99b3bbdagreement.htm">Broker-Dealer Agreement</a> (amended
                and restated) between Allianz Life Insurance Company of New York and Allianz Life Financial Services, LLC, dated June 1, 2010 incorporated by reference as exhibit EX- 99.B3.b. from Registrant&#8217;s Post-Effective Amendment No. 21 to Form N-4
                (File Nos. 333-143195 and 811-05716) electronically filed on October 21, 2010.</div>
            </td>
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      </table>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="z3a5939e89f18438e8aedf38d2e8a96cb" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 4.8pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 22.5pt; vertical-align: top; align: right;">
              <div style="margin-left: 7.5pt; line-height: 11.85pt; margin-top: 4.8pt; font-family: Calibri;">(c)</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="line-height: 11.85pt; margin-top: 4.8pt; font-family: 'Arial Narrow';">The current specimen of the <a href="https://www.sec.gov/Archives/edgar/data/836346/000083634606000054/file002.txt">selling agreement</a> between Allianz Life
                Financial Services, LLC, the principal underwriter for the Contracts, and retail brokers which offer and sell the Contracts to the public is incorporated by reference as exhibit EX-99.B3.b from the Initial Registration Statement to Allianz
                Life Variable Account B&#8217;s Form N-4 (File Nos.333-134267 and 811-05618) electronically filed on May 19, 2006. The underwriter has executed versions of the agreement with approximately 2,100 retail brokers.</div>
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      </table>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="z990afd65f90b46b891eccb1d6c938175" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 4.8pt; width: 100%; text-align: left; color: #000000;">

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            <td style="width: 22.5pt; vertical-align: top; align: right;">
              <div style="line-height: 11.4pt; margin-top: 4.8pt; font-family: Calibri;">2.</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="line-height: 11.4pt; margin-top: 4.8pt; font-family: 'Arial Narrow';">Not applicable</div>
            </td>
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    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="ze744b82b245a4f6d81330a2f9715eb99" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 5.3pt; width: 100%; text-align: left; color: #000000;">

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            <td style="width: 22.5pt; vertical-align: top; align: right;">
              <div style="margin-left: 1.05pt; line-height: 11.85pt; margin-top: 5.3pt; font-family: Calibri;">3.</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify; line-height: 11.85pt; margin-top: 5.3pt; font-family: 'Arial Narrow';">(a) <a href="https://www.sec.gov/Archives/edgar/data/80019/000008001913000007/ex3a.htm">Articles of Incorporation, as amended and
                  restated March 9, 2011</a>, of Allianz Life Insurance Company of New York, filed on December 19, 2013 as Exhibit 3(a) to Registrant's initial registration on Form S-1 (File No. 333-192948), is incorporated by reference.</div>
            </td>
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    </div>
    <div style="text-align: justify; text-indent: -13.5pt; margin-left: 22.5pt; line-height: 11.85pt; margin-top: 4.8pt; font-family: 'Arial Narrow'; font-size: 10pt;">(b) <a href="https://www.sec.gov/Archives/edgar/data/80019/000008001913000007/ex3b.htm">Bylaws,



        as amended and restated March 9, 2011</a>, of Allianz Life Insurance Company of New York, filed on December 19, 2013 as Exhibit 3(b) to Registrant's initial registration on Form S-1 (File No. 333-192948), is incorporated by reference.</div>
    <div style="text-align: left; line-height: 11.85pt; margin-top: 4.8pt; font-family: 'Arial Narrow'; font-size: 10pt;">4.(a) <a href="https://www.sec.gov/Archives/edgar/data/80019/000008001914000005/ex4a.htm">Deferred Annuity Contract, L40538-NY</a>,
      as revised 5/16/14, filed on December 8, 2014, as Exhibit 4(a) to Registrant's Post-Effective Amendment No. 1 on Form S-1 (File No. 333-192948), is incorporated by reference.</div>
    <div>
      <table cellspacing="0" cellpadding="0" id="z74bd73923f124550b77ac1e906a461a7" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 4.8pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 22.5pt; vertical-align: top; align: right;">
              <div style="margin-left: 6.55pt; line-height: 11.85pt; margin-top: 4.8pt; font-family: Calibri;">(b)</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="line-height: 11.85pt; margin-top: 4.8pt; font-family: 'Arial Narrow';"><a href="https://www.sec.gov/Archives/edgar/data/80019/000119312514179966/d687696dex4b.htm">Contract Schedule Pages, S40877-NY</a>, filed on May 2, 2014 as
                Exhibit 4(b) to Registrant's Pre-Effective Amendment No. 1 on Form S-1 (File No. 333-192948), is incorporated by reference. <a href="https://www.sec.gov/Archives/edgar/data/80019/000008001914000005/ex4b.htm">Schedule pages S40875-NY,
                  S40876-NY</a>, as revised 5/9/14, filed on December 8, 2014, as Exhibit 4(b) to Registrant's Post-Effective Amendment No. 1 on Form S-1 (File No. 333-192948), is incorporated by reference.</div>
            </td>
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      </table>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="z64fdfd2e7af54728a2ad02ab0c55b5d9" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 4.8pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 22.5pt; vertical-align: top; align: right;">
              <div style="margin-left: 9.05pt; line-height: 11.85pt; margin-top: 4.8pt; font-family: Calibri;">(c)</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-indent: 18.8pt; line-height: 11.85pt; margin-top: 4.8pt; font-family: 'Arial Narrow';"><a href="https://www.sec.gov/Archives/edgar/data/80019/000008001914000005/ex4c.htm">Application for Individual Annuity Contract, F40538-NY</a>,
                as revised 5/2014, filed on December 8, 2014, as Exhibit 4(c) to Registrant's Post-Effective Amendment No. 1 on Form S-1, is incorporated by reference. <a href="https://www.sec.gov/Archives/edgar/data/80019/000008001915000002/ex4cindadvnyapplication.htm">Application for Ind. Var. Annuity Contract &#8211; F40538-02-NY (5/2015)</a>, filed on April 20, 2015, as Exhibit 4(c) to Registrant's
                Post-Effective Amendment No. 2 on Form S-1 (File No. 333-192948), is incorporated by reference.</div>
            </td>
          </tr>

      </table>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="z91e2963ac1404f61ac6af3ba0742bb98" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 4.8pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 22.5pt; vertical-align: top; align: right;">
              <div style="margin-left: 9.05pt; line-height: 11.85pt; margin-top: 4.8pt; font-family: Calibri;">(d)</div>
            </td>
            <td style="vertical-align: top;">
              <div style="text-indent: 19.35pt; line-height: 11.85pt; margin-top: 4.8pt; font-family: 'Arial Narrow';"><a href="https://www.sec.gov/Archives/edgar/data/80019/000119312514179966/d687696dex4d.htm">Index Performance Strategy Rider, S40878-NY</a>,
                filed on May 2, 2014 as Exhibit 4(d) to Registrant's Pre- Effective Amendment No. 1 on Form S-1 (File No. 333-192948), is incorporated by reference.</div>
            </td>
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      </table>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="zfadbff29a9714991b06b38be52437c79" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 4.8pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 22.5pt; vertical-align: top; align: right;">
              <div style="margin-left: 9.05pt; line-height: 11.85pt; margin-top: 4.8pt; font-family: Calibri;">(e)</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-indent: 18.65pt; line-height: 11.85pt; margin-top: 4.8pt; font-family: 'Arial Narrow';"><a href="https://www.sec.gov/Archives/edgar/data/80019/000119312514179966/d687696dex4e.htm">Traditional Death Benefit Rider, S40880-NY</a>,
                filed on May 2, 2014 as Exhibit 4(e) to Registrant's Pre- Effective Amendment No. 1 on Form S-1 (File No. 333-192948), is incorporated by reference.</div>
            </td>
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    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="zabad6988f5b344b2816f98aa8510511b" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 4.8pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 22.5pt; vertical-align: top; align: right;">
              <div style="margin-left: 9.05pt; line-height: 11.85pt; margin-top: 4.8pt; font-family: Calibri;">(f)</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify; line-height: 11.85pt; margin-top: 4.8pt; font-family: 'Arial Narrow';"><a href="https://www.sec.gov/Archives/edgar/data/80019/000008001915000002/ex4findadvnyschedpgs.htm">Allocation Options Schedule page
                  S40876-NY01 (5/2015)</a>, filed on April 20, 2015, as Exhibit 4(f) to Registrant's Post-Effective Amendment No. 2 on Form S-1 (File No. 333-192948), is incorporated by reference.</div>
            </td>
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      </table>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="z4f201e33281648d9b43649d2910f87f2" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 4.8pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 22.5pt; vertical-align: top; align: right;">
              <div style="margin-left: 9.05pt; line-height: 11.85pt; margin-top: 4.8pt; font-family: Calibri;">(g)</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify; text-indent: 19.25pt; line-height: 11.85pt; margin-top: 4.8pt; font-family: 'Arial Narrow';"><a href="https://www.sec.gov/Archives/edgar/data/80019/000008001915000002/ex4indadvnyapplapr202015.htm">Variable and
                  Index-Linked Annuity Contract L40538-NY01 (5/2015)</a>, filed on April 20, 2015, as Exhibit 4(g) to Registrant's Post-Effective Amendment No. 2 on Form S-1 (File No. 333-192948), is incorporated by reference.</div>
            </td>
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    </div>
    <table cellspacing="0" cellpadding="0" id="z6b9299fd8ad44a4487fdf4ef9a4e042b" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000; margin-top: 4.8pt;">

        <tr>
          <td style="width: 22.5pt; vertical-align: top; align: right; font-family: 'Arial Narrow';">5.*</td>
          <td style="width: auto; vertical-align: top;">
            <div style="font-family: 'Arial Narrow';"><a href="counselconsent.htm">Opinion re Legality </a>&#8211; filed herewth</div>
          </td>
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    <div>
      <table cellspacing="0" cellpadding="0" id="z060b3e084f7342b598cde50f7bc71ea1" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 5.3pt; margin-bottom: 6pt; width: 100%; text-align: left; color: #000000;">

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            <td style="width: 22.3pt; vertical-align: top; align: right;">
              <div style="line-height: 11.4pt; margin-top: 5.3pt; margin-bottom: 6pt; font-family: Calibri;">8.</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="line-height: 11.4pt; margin-top: 5.3pt; margin-bottom: 6pt; font-family: 'Arial Narrow';">Opinion re Tax Matters - not applicable</div>
            </td>
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    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="z816d273b7532413cb90e0e6d2f944364" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 2.45pt; width: 100%; text-align: left; color: #000000;">

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            <td style="width: 22.5pt; vertical-align: top; align: right;">
              <div style="line-height: 11.4pt; margin-top: 2.45pt; font-family: Calibri;">9.</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="line-height: 11.4pt; margin-top: 2.45pt; font-family: 'Arial Narrow';">Not applicable</div>
            </td>
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    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="z727d002fec3b434a8faab6989a79e09f" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 2.45pt; width: 100%; text-align: left; color: #000000;">

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            <td style="width: 22.5pt; vertical-align: top; align: right;">
              <div style="line-height: 11.4pt; margin-top: 2.45pt; font-family: Calibri;">10.</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="line-height: 11.4pt; margin-top: 2.45pt; font-family: 'Arial Narrow';">Material Contracts - not applicable</div>
            </td>
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    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="z57dc80bec0ec46f59cbe8fd0a7747b21" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 5.3pt; width: 100%; text-align: left; color: #000000;">

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            <td style="width: 22.5pt; vertical-align: top; align: right;">
              <div style="line-height: 11.4pt; margin-top: 5.3pt; font-family: Calibri;">11.</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="line-height: 11.4pt; margin-top: 5.3pt; font-family: 'Arial Narrow';">Not applicable</div>
            </td>
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    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="zbcada0776eea4137a6179e83c50d1b23" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 5.3pt; width: 100%; text-align: left; color: #000000;">

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            <td style="width: 22.5pt; vertical-align: top; align: right;">
              <div style="line-height: 11.4pt; margin-top: 5.3pt; font-family: Calibri;">12.</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="line-height: 11.4pt; margin-top: 5.3pt; font-family: 'Arial Narrow';">Not applicable</div>
            </td>
          </tr>

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    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="z999348f60351446b8177484d746984b4" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 5.3pt; width: 100%; text-align: left; color: #000000;">

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            <td style="width: 22.5pt; vertical-align: top; align: right;">
              <div style="line-height: 11.4pt; margin-top: 5.3pt; font-family: Calibri;">15.</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="line-height: 11.4pt; margin-top: 5.3pt; font-family: 'Arial Narrow';">Not applicable</div>
            </td>
          </tr>

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    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="z6448e2027d9f47fb8579cf7d48c44f51" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 5.3pt; width: 100%; text-align: left; color: #000000;">

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            <td style="width: 22.5pt; vertical-align: top; align: right;">
              <div style="line-height: 11.4pt; margin-top: 5.3pt; font-family: Calibri;">16.</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="line-height: 11.4pt; margin-top: 5.3pt; font-family: 'Arial Narrow';">Not applicable</div>
            </td>
          </tr>

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    </div>
    <div style="text-align: left; text-indent: -18pt; margin-left: 18pt; line-height: 11.4pt; margin-top: 5.3pt; font-family: 'Arial Narrow'; font-size: 10pt;">21.&#160; &#160; Not applicable.</div>
    <div>
      <table cellspacing="0" cellpadding="0" id="z6cc7e011c785482080d9c4bb87100f8d" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 5.3pt; width: 100%; text-align: left; color: #000000;">

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            <td style="width: 13.5pt; vertical-align: top; align: right;">
              <div style="line-height: 16.6pt; margin-top: 5.3pt; font-family: Calibri;">23.</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-indent: 14.1pt; line-height: 16.6pt; margin-top: 5.3pt; font-family: 'Arial Narrow';">(a)* <a href="auditorconsent.htm">Consent of Independent
                  Registered Public Accounting Firm</a>, filed herewith.</div>
            </td>
          </tr>

      </table>
    </div>
    <div style="text-align: left; line-height: 16.6pt; font-family: 'Arial Narrow'; font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (b)&#160;&#160; Consent of Counsel, filed as Exhibit 5 to this Registration Statement.</div>
    <div style="text-align: left; text-indent: -22.5pt; margin-left: 22.5pt; line-height: 11.85pt; margin-top: 0.2pt; font-family: 'Arial Narrow'; font-size: 10pt;">24.&#160;&#160;&#160;&#160;&#160; (a) <a href="https://www.sec.gov/Archives/edgar/data/80019/000008001913000007/ex24b.htm">Board Resolution, effective December 11, 2012</a>, of the Board of Directors of Allianz Life Insurance Company of North America, filed on December 19, 2013 as Exhibit
      24(b) to Registrant's initial registration on Form S-1 (File No.&#160; 333-192948), is incorporated by reference.</div>
    <div style="text-align: left; text-indent: -13.45pt; margin-left: 22.5pt; line-height: 11.85pt; margin-top: 4.8pt; font-family: 'Arial Narrow'; font-size: 10pt;">&#160; &#160; &#160; &#160; (b) <a href="https://www.sec.gov/Archives/edgar/data/80019/000119312514179966/d687696dex24d.htm">Board Resolution, effective March 6, 2014</a>, of the Board of Directors of Allianz Life Insurance Company of New York, filed on May 2, 2014 as Exhibit 24(d)
      to Registrant's Pre-Effective Amendment No. 1 on Form S-1 (File No. 333-192948), is incorporated by reference.</div>
    <div style="text-align: left; text-indent: -13.45pt; margin-left: 22.5pt; line-height: 11.85pt; margin-top: 4.8pt; font-family: 'Arial Narrow'; font-size: 10pt;">&#160; &#160; &#160; &#160; (c)* <a href="poa.htm">Powers of Attorney,</a> filed herewith.</div>
    <div style="text-align: left; text-indent: -12.55pt; margin-left: 12.55pt; line-height: 11.4pt; margin-top: 4.8pt; font-family: 'Arial Narrow'; font-size: 10pt;">25.&#160;&#160;&#160;&#160;&#160; Not applicable</div>
    <div style="text-align: left; text-indent: -12.55pt; margin-left: 12.55pt; line-height: 11.4pt; margin-top: 5.3pt; font-family: 'Arial Narrow'; font-size: 10pt;">26.&#160;&#160;&#160;&#160;&#160; Not applicable</div>
    <div style="text-align: left; text-indent: -22.5pt; margin-left: 22.5pt; line-height: 11.85pt; margin-top: 6.5pt; font-family: 'Arial Narrow'; font-size: 10pt;">99.&#160;&#160;&#160;&#160; (a) <a href="https://www.sec.gov/Archives/edgar/data/80019/000008001919000001/ex99a.htm">Appendix A Exhibit &#8211; Daily Adjustment Calculation &#8211; INY-024a (04/19)</a>, filed on January 25, 2019, as Exhibit 99(a) to Registrant's Post-Effective Amendment No. 2
      on Form S-1 (File No. 333-224317), is incorporated by reference.</div>
    <div style="text-align: left; text-indent: -22.5pt; margin-left: 22.5pt; line-height: 11.85pt; margin-top: 6.5pt; font-family: 'Arial Narrow'; font-size: 10pt;">&#160;&#160;&#160;&#160;&#160; &#160; &#160; (b) <a href="https://www.sec.gov/Archives/edgar/data/80019/000008001918000002/audittransitionletter.htm">Transition Representation Letter</a> - Independent Registered Public Accounting Firm, pursuant to S-K, item 304, filed on April 17, 2018, as Exhibit
      99(b) to Registrant's initial registration on Form S-1 (File No. 333-224317), is incorporated by reference.</div>
    <table cellspacing="0" cellpadding="0" id="ze42504a63e284e1b9fafe6d638ff5450" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000; margin-bottom: 5pt; margin-top: 6pt;">

        <tr>
          <td style="width: -4.5pt;"><br>
          </td>
          <td style="width: 49.1pt; vertical-align: top; align: right; font-family: 'Arial Narrow';">&#160;107.*</td>
          <td style="width: auto; vertical-align: top;">
            <div style="font-family: 'Arial Narrow';"><a href="ex107.htm">Filing Fee Table</a>, filed herewith.</div>
          </td>
        </tr>

    </table>
    <div style="text-align: left; margin-left: 22.5pt; line-height: 11.4pt; margin-top: 6.75pt; font-family: 'Arial Narrow'; font-size: 10pt;">&#160;&#160;* Filed herewith</div>
    <div style="text-align: left; margin-left: 22.3pt; line-height: 11.4pt; font-family: 'Arial Narrow'; font-size: 10pt;">** To be filed by amendment</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="margin-top: 5.9pt;"><font style="font-family: Calibri; font-size: 10pt;">(b)</font><font id="TRGRRTFtoHTMLTab" style="text-indent: 0px; font-size: 5.29pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;</font><font style="font-family: 'Arial Narrow'; font-size: 10pt; font-weight: bold;">Financial Statement Schedules</font></div>
    <div style="text-align: left; line-height: 11.85pt; margin-top: 6.5pt; font-family: 'Arial Narrow'; font-size: 10pt;">All required financial statement schedules of Allianz Life Insurance Company of New York are included in Part I of this registration
      statement.</div>
    <div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
      <div id="DSPFPageFooter"></div>
      <div id="DSPFPageBreak" style="page-break-after:always;">
        <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
      <div id="DSPFPageHeader"></div>
    </div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: left; line-height: 11.4pt; font-family: 'Arial Narrow'; font-size: 10pt; font-weight: bold;">ITEM 17. UNDERTAKINGS.</div>
    <div style="line-height: 10.25pt; margin-top: 0.25pt;"><br style="line-height: 10.25pt;">
    </div>
    <div style="text-align: left; line-height: 11.4pt; font-family: 'Arial Narrow'; font-size: 10pt;">The undersigned registrant hereby undertakes pursuant to Item 512 of Regulation S-K:</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="z8ac4c4df373b47c9970c8b7d8f2515c3" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 18pt; vertical-align: top; align: right;">
              <div style="line-height: 11.4pt; font-family: Calibri;">(1)</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="line-height: 11.4pt; font-family: 'Arial Narrow';">To file, during any period in which offers or sales are being made, a post-effective amendment to this registration statement:</div>
            </td>
          </tr>

      </table>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="z66665d7580eb4c6691da33b8b9464be3" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 5.9pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 18pt; vertical-align: top; align: right;">
              <div style="margin-left: 18pt; line-height: 11.4pt; margin-top: 5.9pt; font-family: Calibri;">(i)</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-indent: 18pt; line-height: 11.4pt; margin-top: 5.9pt; font-family: 'Arial Narrow';">To include any prospectus required by section 10(a)(3) of the Securities Act of 1933;</div>
            </td>
          </tr>

      </table>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="z3ee9cc04509e4a07a72f364435d23c5b" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 2.65pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 36pt; vertical-align: top; align: right;">
              <div style="margin-left: 18pt; line-height: 11.85pt; margin-top: 2.65pt; font-family: Calibri;">(ii)</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="line-height: 11.85pt; margin-top: 2.65pt; font-family: 'Arial Narrow';">To reflect in the prospectus any facts or events arising after the effective date of the registration statement (or the most recent post-effective amendment
                thereof) which, individually or in the aggregate, represent a fundamental change in the information set forth in the registration statement. Notwithstanding the foregoing, any increase or decrease in volume of securities offered (if the
                total dollar value of securities offered would not exceed that which was registered) and any deviation from the low or high end of the estimated maximum offering range may be reflected in the form of prospectus filed with the Commission
                pursuant to Rule 424(b) if, in the aggregate, the changes in volume and price represent no more than a 20% change in the maximum aggregate offering price set forth in the "Calculation of Registration Fee" table in the effective registration
                statement.</div>
            </td>
          </tr>

      </table>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="ze707a259b2134161b11335651f6f1130" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 2.05pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 36pt; vertical-align: top; align: right;">
              <div style="margin-left: 18pt; line-height: 11.75pt; margin-top: 2.05pt; font-family: Calibri;">(iii)</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="line-height: 11.75pt; margin-top: 2.05pt; font-family: 'Arial Narrow';">To include any material information with respect to the plan of distribution not previously disclosed in the registration statement or any material change to
                such information in the registration statement.</div>
            </td>
          </tr>

      </table>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="z55b9e7edbcb44bcda12e01aba20083bc" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 2.3pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 18pt; vertical-align: top; align: right;">
              <div style="line-height: 11.85pt; margin-top: 2.3pt; font-family: Calibri;">(2)</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="line-height: 11.85pt; margin-top: 2.3pt; font-family: 'Arial Narrow';">That, for the purpose of determining any liability under the Securities Act of 1933, each such post-effective amendment shall be deemed to be a new
                registration statement relating to the securities offered therein, and the offering of such securities at that time shall be deemed to be the initial bona fide offering thereof.</div>
            </td>
          </tr>

      </table>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="zd4fdc9fd91ef4eb5b7f7b98a73162a2f" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 18pt; vertical-align: top; align: right;">
              <div style="line-height: 11.85pt; margin-top: 6pt; font-family: Calibri;">(3)</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="line-height: 11.85pt; margin-top: 6pt; font-family: 'Arial Narrow';">To remove from registration by means of a post-effective amendment any of the securities being registered which remain unsold at the termination of the offering.</div>
            </td>
          </tr>

      </table>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="za25d18d06b754a9e8d1898af58274862" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 18pt; vertical-align: top; align: right;">
              <div style="line-height: 11.85pt; margin-top: 6pt; font-family: Calibri;">(4)</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="line-height: 11.85pt; margin-top: 6pt; font-family: 'Arial Narrow';">That, for the purpose of determining liability under the Securities Act of 1933 to any purchaser, each prospectus filed pursuant to Rule 424(b) as part of a
                registration statement relating to an offering, other than registration statements relying on Rule 430B or other than prospectuses filed in reliance on Rule 430A, shall be deemed to be part of and included in the registration statement as
                of the date it is first used after effectiveness. Provided, however, that no statement made in a registration statement or prospectus that is part of the registration statement or made in a document incorporated or deemed incorporated by
                reference into the registration statement or prospectus that is part of the registration statement will, as to a purchaser with a time of contract of sale prior to such first use, supersede or modify any statement that was made in the
                registration statement or prospectus that was part of the registration statement or made in any such document immediately prior to such date of first use.</div>
            </td>
          </tr>

      </table>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="z86b49d2b70f14182bd840808f01aacb3" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 18pt; vertical-align: top; align: right;">
              <div style="line-height: 11.85pt; margin-top: 6pt; font-family: Calibri;">(5)</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="line-height: 11.85pt; margin-top: 6pt; font-family: 'Arial Narrow';">That, for the purpose of determining liability of the registrant under the Securities Act of 1933 to any purchaser in the initial distribution of the securities:
                The undersigned registrant undertakes that in a primary offering of securities of the undersigned registrant pursuant to this registration statement, regardless of the underwriting method used to sell the securities to the purchaser, if the
                securities are offered or sold to such purchaser by means of any of the following communications, the undersigned registrant will be a seller to the purchaser and will be considered to offer or sell such securities to such purchaser:</div>
            </td>
          </tr>

      </table>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="z9cc22075517d486ea7239ef4a624ad13" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 36pt; vertical-align: top; align: right;">
              <div style="margin-left: 18pt; line-height: 11.75pt; margin-top: 6pt; font-family: Calibri;">(i)</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="line-height: 11.75pt; margin-top: 6pt; font-family: 'Arial Narrow';">Any preliminary prospectus or prospectus of the undersigned registrant relating to the offering required to be filed pursuant to Rule 424;</div>
            </td>
          </tr>

      </table>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="z281d120fb17c485a953c41466c5be88c" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 2.3pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 36pt; vertical-align: top; align: right;">
              <div style="margin-left: 18pt; line-height: 11.75pt; margin-top: 2.3pt; font-family: Calibri;">(ii)</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="line-height: 11.75pt; margin-top: 2.3pt; font-family: 'Arial Narrow';">Any free writing prospectus relating to the offering prepared by or on behalf of the undersigned registrant or used or referred to by the undersigned
                registrant;</div>
            </td>
          </tr>

      </table>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="zeaa8b31942704f1db4dae8b31f8c7339" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 2.15pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 36pt; vertical-align: top; align: right;">
              <div style="margin-left: 18pt; line-height: 11.75pt; margin-top: 2.15pt; font-family: Calibri;">(iii)</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="line-height: 11.75pt; margin-top: 2.15pt; font-family: 'Arial Narrow';">The portion of any other free writing prospectus relating to the offering containing material information about the undersigned registrant or its securities
                provided by or on behalf of the undersigned registrant; and</div>
            </td>
          </tr>

      </table>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="z5ae8674bfdcd470c996dfb951c491146" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 2.3pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 36pt; vertical-align: top; align: right;">
              <div style="margin-left: 18pt; line-height: 11.4pt; margin-top: 2.3pt; font-family: Calibri;">(iv)</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="line-height: 11.4pt; margin-top: 2.3pt; font-family: 'Arial Narrow';">Any other communication that is an offer in the offering made by the undersigned registrant to the purchaser.</div>
            </td>
          </tr>

      </table>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="zcd6587717d204cb38f43474674f06e3d" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6.5pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 18pt; vertical-align: top; align: right;">
              <div style="line-height: 11.85pt; margin-top: 6.5pt; font-family: Calibri;">(6)</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="line-height: 11.85pt; margin-top: 6.5pt; font-family: 'Arial Narrow';">Insofar as indemnification for liabilities arising under the Securities Act of 1933 may be permitted to directors, officers and controlling persons of the
                Insurance Company pursuant to the foregoing provisions, or otherwise, the Insurance Company has been advised that in the opinion of the Securities and Exchange Commission such indemnification is against public policy as expressed in the Act
                and, is therefore, unenforceable. In the event that a claim for indemnification against such liabilities (other than the payment by the Insurance Company of expenses incurred or paid by a director, officer or controlling person of the
                Insurance Company in the successful defense of any action, suit or proceeding) is asserted by such director, officer or controlling person in connection with the securities being registered, the Insurance Company will, unless in the opinion
                of its counsel the matter has been settled by controlling precedent, submit to a court of appropriate jurisdiction the question whether such indemnification by it is against public policy as expressed in the Act and will be governed by the
                final adjudication of such issue.</div>
            </td>
          </tr>

      </table>
    </div>
    <div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
      <div id="DSPFPageFooter"></div>
      <div id="DSPFPageBreak" style="page-break-after:always;">
        <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
      <div id="DSPFPageHeader"></div>
    </div>
    <div style="line-height: 0pt;"><br style="line-height: 0pt;">
    </div>
    <div style="text-align: center; line-height: 11.4pt; margin-top: 2.5pt; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">SIGNATURES</div>
    <div style="line-height: 9.7pt; margin-top: 0.55pt;"><br style="line-height: 9.7pt;">
    </div>
    <div style="text-align: left; margin-right: 19.8pt; margin-left: 18pt; line-height: 12pt; font-family: 'Times New Roman'; font-size: 10pt;">Pursuant to the requirements of the Securities Act of 1933, the registrant has duly caused this registration
      statement to be signed on its behalf by the undersigned, thereunto duly authorized, in the City of Minneapolis, State of Minnesota, on this 15th day of April, 2022.</div>
    <div style="text-align: center; margin-right: 19.8pt; margin-left: 18pt; line-height: 11.4pt; margin-top: 6.25pt; font-family: 'Times New Roman'; font-size: 10pt;">&#160;&#160;&#160;&#160;&#160; ALLIANZ LIFE INSURANCE COMPANY OF NEW YORK</div>
    <div style="text-align: center; margin-right: 19.8pt; margin-left: 18pt; line-height: 17.8pt; margin-top: 6.5pt; font-family: 'Times New Roman'; font-size: 10pt;">By: <u>/s/ Jasmine M. Jirele*</u></div>
  </div>
  <div>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; Jasmine M. Jirele
    <div style="line-height: 16.55pt; margin-top: 0.05pt; text-align: center;">Chief Executive Officer </div>
    <div style="line-height: 16.55pt; margin-top: 0.05pt;"><br style="line-height: 16.55pt;">
    </div>
    <div style="line-height: 16.55pt; margin-top: 0.05pt;"><br style="line-height: 16.55pt;">
    </div>
    <div style="text-align: left; margin-right: 19.8pt; margin-left: 18pt; line-height: 11.9pt; font-family: 'Times New Roman'; font-size: 10pt;">Pursuant to the requirements of the Securities Act of 1933, this registration statement has been signed by the
      following persons in the capacities indicated on April 15, 2022.</div>
    <div style="line-height: 11.9pt;"><br style="line-height: 11.9pt;">
    </div>
    <table cellspacing="0" cellpadding="0" id="zd8e45225f99e4b9e93844ce05abad598" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; border-collapse: collapse; text-align: left; color: #000000;">

        <tr>
          <td style="width: 49.93%; vertical-align: top; border-bottom: #000000 2px solid;">
            <div style="margin-right: 19.8pt; line-height: 11.9pt; margin-bottom: 6pt; font-family: 'Arial Narrow'; font-weight: bold;">Signature</div>
            <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
          </td>
          <td style="width: 50.07%; vertical-align: top; border-bottom: #000000 2px solid;">
            <div style="margin-right: 19.8pt; line-height: 11.9pt; margin-bottom: 6pt; font-family: 'Arial Narrow'; font-weight: bold;">Title</div>
            <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
          </td>
        </tr>
        <tr>
          <td style="width: 49.93%; vertical-align: top; border-top: #000000 2px solid;">
            <div style="margin-right: 20.15pt; line-height: 11.4pt; margin-bottom: 2pt; font-family: 'Arial Narrow';">Jasmine M. Jirele<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">*</sup></div>
            <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
          </td>
          <td style="width: 50.07%; vertical-align: top; border-top: #000000 2px solid;">
            <div style="margin-right: 20.15pt; line-height: 11.4pt; margin-bottom: 2pt; font-family: 'Arial Narrow';">Board Chair and Chief Executive Officer</div>
            <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
          </td>
        </tr>
        <tr>
          <td style="width: 49.93%; vertical-align: top;">
            <div style="margin-right: 20.15pt; line-height: 11.4pt; margin-bottom: 2pt; font-family: 'Arial Narrow';">Eric Thomes<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">*</sup></div>
            <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
          </td>
          <td style="width: 50.07%; vertical-align: top;">
            <div style="margin-right: 20.15pt; line-height: 11.4pt; margin-bottom: 2pt; font-family: 'Arial Narrow';">Director and President</div>
            <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
          </td>
        </tr>
        <tr>
          <td style="width: 49.93%; vertical-align: top;">
            <div style="margin-right: 20.15pt; line-height: 11.4pt; margin-bottom: 2pt; font-family: 'Arial Narrow';">Gary A. Smith<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">*</sup></div>
            <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
          </td>
          <td style="width: 50.07%; vertical-align: top;">
            <div style="margin-right: 20.15pt; line-height: 11.4pt; margin-bottom: 2pt; font-family: 'Arial Narrow';">Director</div>
            <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
          </td>
        </tr>
        <tr>
          <td style="width: 49.93%; vertical-align: top;">
            <div style="margin-right: 20.15pt; line-height: 11.4pt; margin-bottom: 2pt; font-family: 'Arial Narrow';">Martha Clark Goss<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">*</sup></div>
            <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
          </td>
          <td style="width: 50.07%; vertical-align: top;">
            <div style="margin-right: 20.15pt; line-height: 11.4pt; margin-bottom: 2pt; font-family: 'Arial Narrow';">Director</div>
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          <td style="width: 49.93%; vertical-align: top;">
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        <tr>
          <td style="width: 49.93%; vertical-align: top;">
            <div style="margin-right: 20.15pt; line-height: 11.4pt; margin-bottom: 2pt; font-family: 'Arial Narrow';">Ronald M. Clark<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">*</sup></div>
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          <td style="width: 50.07%; vertical-align: top;">
            <div style="margin-right: 20.15pt; line-height: 11.4pt; margin-bottom: 2pt; font-family: 'Arial Narrow';">Director</div>
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          <td style="width: 49.93%; vertical-align: top;">
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            <div style="margin-right: 20.15pt; line-height: 11.4pt; margin-bottom: 2pt; font-family: 'Arial Narrow';">Director, Chief Financial Officer and Treasurer</div>
            <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
          </td>
        </tr>
        <tr>
          <td style="width: 49.93%; vertical-align: top;">&#160;</td>
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          </td>
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          <td style="width: 49.93%; vertical-align: top;">
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            <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
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            <div style="font-family: 'Times New Roman'; font-size: 8pt;">By Power of Attorney, filed as Exhibit 24(c) to this Registration Statement.</div>
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    <div style="text-align: left; line-height: 12pt;"><font style="font-family: 'Times New Roman'; font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;BY<u>: /s/ Erik T. Nelson</u></font><font id="TRGRRTFtoHTMLTab" style="text-indent: 0px; font-size: 5pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;</font></div>
    <div style="text-align: left; line-height: 12pt; font-family: 'Times New Roman'; font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Erik T. Nelson</div>
    <div style="text-align: left; line-height: 12pt; font-family: 'Times New Roman'; font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Associate General Counsel, Senior Counsel</div>
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    <div style="text-align: center; line-height: 11.4pt; margin-top: 2.5pt; margin-bottom: 6pt; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">FORM S-1</div>
    <div style="text-align: center; line-height: 22.7pt; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">ALLIANZ LIFE INSURANCE COMPANY OF NEW YORK</div>
    <div style="text-align: center; line-height: 22.7pt; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">INDEX TO EXHIBITS</div>
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            <div style="line-height: 11.4pt; font-family: 'Times New Roman'; font-weight: bold;">Description of Exhibit</div>
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            <div style="text-align: right; margin-right: 4.45pt; line-height: 11.4pt; margin-bottom: 6pt; font-family: 'Arial Narrow';">5</div>
            <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
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            <div style="margin-right: 4.45pt; line-height: 11.4pt; margin-bottom: 6pt; font-family: 'Arial Narrow';">Opinion of Counsel</div>
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            <div style="margin-right: 4.45pt; line-height: 11.4pt; margin-bottom: 6pt; font-family: 'Arial Narrow';">Consent of Independent Registered Public Accounting Firm<a name="z_GoBack"></a></div>
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            <div style="margin-right: 4.45pt; line-height: 11.4pt; margin-bottom: 6pt; font-family: 'Arial Narrow';">Filing Fee Table</div>
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As filed with the Securities and Exchange Commission on April 15, 2022                 Registration No. 333-
UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
WASHINGTON, D.C. 20549
FORM S-1 REGISTRATION STATEMENT
UNDER THE SECURITIES ACT OF 1933
Allianz Life Insurance Company of New York
(Exact name of Registrant as specified in its charter)
New York
(State or other jurisdiction of incorporation or organization)
6311
(Primary Standard Industrial Classification Code Number)
13-3191369
(I.R.S. Employer
Identification No.)
1633 Broadway, 42
nd
Floor,
New York, New York 10019
(212) 586-7733
(Address, including zip code, and telephone number, including area code, of Registrant's principal executive offices)
Erik T. Nelson, Esq.
Allianz Life Insurance Company of North America
5701 Golden Hills Drive Minneapolis, MN 55416
(763) 765-7453
(Name, address, including zip code, and telephone number, including area code, of agent for
      service)
Approximate date of commencement of proposed sale to the public:
As soon as practicable after this registration statement becomes effective.
If any of the securities being registered on this Form are to be offered on a delayed or
      continuous basis pursuant to Rule 415 under the Securities Act of 1933, check the following box. [X]
Indicate by check mark whether the registrant is a large accelerated filer, an accelerated
      filer, a non-accelerated filer, or a smaller reporting company. See the definitions of "large accelerated filer," "accelerated filer" and "smaller reporting company" in Rule 12b-2 of the Exchange Act.
Large accelerated filer
[   ]
Accelerated
        filer
[    ]
Non-accelerated filer
[X]
Smaller reporting company [    ]
(Do not check if a smaller reporting company)
The Registrant hereby amends this registration statement on such date or dates as may be
      necessary to delay its effective date until the Registrant shall file a further amendment which specifically states that this registration statement shall thereafter become effective in accordance with Section 8(a) of the Securities Act of 1933 or
      until the registration statement shall become effective on such date as the Securities and Exchange Commission, acting pursuant to said Section 8(a), may determine.
PART I PROSPECTUS
ALLIANZ Index Advantage
®
New York VARIABLE ANNUITY CONTRACT
An individual flexible purchase payment
            index-linked and variable deferred annuity contract
(the Contract)
Issued by Allianz Life
®
of NY Variable Account C
(the Separate Account)
and
Allianz Life Insurance Company of New York
(Allianz Life of New York, we, us, our)
Prospectus Dated: April 29,
              2022
Standard Annuity Features
Available Investment Options
• Five fixed annuitization options
(Annuity Options)
• Free withdrawal privilege allows you to withdraw up to 10% of your total Purchase Payments during the six-year withdrawal charge period • Systematic withdrawal
                      program • Minimum distribution program for certain tax qualified Contracts • Waiver of withdrawal charge benefit • Guaranteed death benefit
(Traditional Death Benefit)
• 8 index-linked investment options
(Index Options)
based
                      on different combinations of two credit calculation methods
(Crediting Methods)
and four nationally recognized third-party broad based equity securities indexes
(Index or Indexes)
• Three variable investment options
(Variable Options)
Crediting Methods Currently Available
Indexes Currently Available with All Crediting Methods
• Index Protection NY Strategy
• Index Performance Strategy
• S&P 500
®
Index
• Russell 2000
®
Index
• Nasdaq-100
®
Index
• EURO STOXX 50
®
Crediting Methods and Indexes may not be available to previously issued Contracts as detailed in Appendix F.
Crediting Method Highlights
All Crediting Methods provide a level of protection against negative Performance Credits from negative Index performance, and a limit on positive Performance Credits
                        from positive Index performance.
Performance Credits
are the annual return you receive on
                        the Index Anniversary when you allocate assets to an Index Option.
Negative Index Performance Protection
Positive Index Performance Participation Limit
Index Protection NY Strategy
•
Buffers
(the amount of negative Index performance
                      we absorb before you receive a negative Performance Credit)
–  Buffers are 30%
•
Caps
(the
upper limit
on positive Index performance)
–  Caps cannot be less than 1.50%
Index Performance Strategy
•
Buffers
–  Buffers are 10%
• Caps
–  Caps cannot be less than 1.50%
The Contract's risks are described in Risk Factors
            on page 22 of this prospectus.
Variable Options Currently Available
AZL
®
MVP Growth Index Strategy Fund
AZL
®
MVP Balanced Index Strategy Fund
AZL
®
Government Money Market Fund
You can allocate the money
              you put into the Contract
(Purchase Payments)
to any or all of the available Index Options and Variable Options
(Allocation Options)
.
              You may also reallocate and transfer Contract Value among the Allocation Options subject to certain restrictions described in this prospectus. Your
Contract Value
is the current value of
              the Purchase Payments you invest that includes the returns of your selected Allocation Options. It reflects deductions we make for Contract fees and expenses. All withdrawals you take and financial adviser fees that you choose to have us pay
              from this Contract reduce your Contract Value dollar for dollar, including partial withdrawals that may be subject to a withdrawal charge.
If you allocate Purchase Payments or transfer
            Contract Value to the Index Options, you receive Performance Credits calculated by us based on the performance of one or more Indexes over a year-long period
(Index Year)
as measured by
Allianz Index Advantage
®
New York Variable Annuity Prospectus – April 29, 2022
1
the Index Return and the applicable Buffer or Cap. An Index Year
            is a twelve-month period beginning on the
Index Effective Date
or a subsequent Index Anniversary. The
Index Return
is the percentage change in Index Value from the
            Index Effective Date or an Index Anniversary to the next Index Anniversary. The
Index Value
is the Index's price at the end of the Business Day on the Index Effective Date and each Index Anniversary. The
Index Effective Date
is the first day we allocate assets to an Index Option. An
Index Anniversary
is a twelve-month anniversary of the Index Effective Date and is
            the date we apply Performance Credits.
Because we calculate Index Returns only on a single date in time, you may experience negative or flat performance even though the Index you selected for a given Crediting
              Method experienced gains through some, or most, of the Index Year.
Performance Credits may be positive, negative, or equal to zero, depending on the applicable Crediting Method and the performance of the applicable Index.
A negative Performance Credit means that you
                can lose principal and previous earnings.
These losses could be significant.
The risk of loss can become greater in the case of an early withdrawal (a withdrawal taken within six years after we receive a Purchase Payment) due to withdrawal charges.
Withdrawals will be subject
              to federal and state taxation, and withdrawals taken before age 59
1
⁄
2
may also be subject
              to a 10% additional federal tax. If this is a Non-Qualified Contract, a withdrawal will be taxable to the extent that gain exists within the Contract. A
Non-Qualified Contract
is a
              Contract that is not purchased under a pension or retirement plan that qualifies for special tax treatment under sections of the Internal Revenue Code
(the Code)
.
Caps that we use to determine Performance
              Credits for a Contract can change on each Index Anniversary
and may vary substantially based on market conditions. However, in extreme market environments, it is possible that all Caps
                will be equal and reduced to the minimum of 1.50%.
10% or 30% Buffers that we use to determine Performance Credits for a Contract do not change. The Crediting Methods are described in greater detail in the Summary of the Index
              Options, and in section 4, Valuing Your Contract – Calculating Performance Credits. The Indexes are described in Appendix A. For historical information on the Caps, see Appendix C. For historical Index Option performance information, see
              Appendix D.
The
Daily
                Adjustment
is how we calculate Index Option Values (the portion of your Contract Value in the Index Options) on days other than an Index Anniversary. The Daily Adjustment approximates the Index Option Value that will be
              available on an Index Anniversary. If before an Index Anniversary you take a full or partial withdrawal (including financial adviser fees that you choose to have us pay from this Contract), annuitize the Contract, we pay a death benefit, or
              we deduct Contract fees and expenses, we calculate the Index Option Value by applying the Daily Adjustment. All withdrawals you take are subject to the Daily Adjustment, even withdrawals that are not subject to a withdrawal charge (
Penalty-Free Withdrawals
). Penalty-Free Withdrawals include withdrawals you take under the free withdrawal privilege or waiver of withdrawal charge benefit, and payments you take under our minimum
              distribution program.
In extreme circumstances the Daily Adjustment could result in a loss beyond the protection of the 10% or 30% Buffer, but it cannot result in a total loss of -100%. Such losses will
                be greater if the amount withdrawn (including financial adviser fees that you choose to have us pay from this Contract) is also subject to a withdrawal charge, or is a deduction of Contract fees and expenses.
If you allocate Purchase Payments or transfer
            Contract Value to the Variable Options, the value of your investment
(Variable Account Value)
increases and decreases each Business Day based on your selected Variable Options' performance. A
Business Day
is each day the New York Stock Exchange is open for trading and it ends when regular trading on the New York Stock Exchange closes, which is usually at 4:00 p.m. Eastern Time. The Separate Account
            holds the assets you allocate to the Variable Options.
The Variable Options do not provide any protection against loss of principal. You can lose principal and previous earnings that you
              allocate to the Variable Options.
Index-linked and variable annuity contracts are complex insurance and investment vehicles.
Before you invest, be sure to ask your
Financial Professional
(the person who advises you regarding the Contract) about the Contract's features, benefits, risks, fees and expenses, whether the Contract is appropriate for you based upon your financial situation and
                objectives, and for a specific recommendation to purchase the Contract. The Contract may be available through third-party financial advisers who charge a financial adviser fee for their services. If you choose to pay financial adviser fees
                from this Contract, the deduction of this financial adviser fee is in addition to this Contract's fees and expenses, and the deduction is treated the same as any other withdrawal under the Contract. As such, withdrawals to pay financial
                adviser fees may be subject to withdrawal charges, will reduce the Contract Value and Guaranteed Death Benefit Value (perhaps significantly), and may be subject to income taxes (including tax
                penalties if you are younger than age 59
1
⁄
2
).
Please consult with your Financial Professional before requesting us to pay financial adviser fees from this Contract compared to other assets you may have.
Allianz Index Advantage
®
New York Variable Annuity Prospectus – April 29, 2022
2
All guarantees under the
              Contract, including Performance Credits, are the obligations of Allianz Life of New York and are subject to our claims-paying ability and financial strength.
Please read this prospectus before investing
              and keep it for future reference. The prospectus describes all material rights and obligations of purchasers under the Contract. It contains important information about the Contract and Allianz Life of New York that you ought to know before
              investing including material state variations. Availability of Index Options may vary by financial intermediary. You can obtain information on which Index Options are available to you by calling (800) 624-0197, or from your Financial
              Professional. This prospectus is not offered in any state, country, or jurisdiction in which we are not authorized to sell the Contracts. You should rely only on the information contained in this prospectus. We have not authorized anyone to
              give you different information.
If you are a new investor in the Contract, you
              may cancel your Contract within 10 days of receiving it without paying fees or penalties. Upon cancellation, you will receive your total Contract Value.  You should review this prospectus, or consult with your Financial Professional, for
              additional information about the specific cancellation terms that apply.
The Securities and Exchange Commission (SEC) has
            not approved or disapproved these securities or determined if this prospectus is truthful or complete. Any representation to the contrary is a criminal offense. An investment in this Contract is not a deposit of a bank or financial institution
            and is not federally insured or guaranteed by the Federal Deposit Insurance Corporation or any other federal government agency. An investment in this Contract involves investment risk including the possible loss of principal.
Additional information about certain investment products, including variable annuities, has been prepared by the Securities & Exchange Commission's (SEC) staff and is available at
investor.gov
.
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®
New York Variable Annuity Prospectus – April 29, 2022
3
TABLE OF CONTENTS
Glossary
6
Important Information You Should Consider About the Contract
10
Overview of the Contract
13
What Is the Purpose of the Contract?
13
What Are the Phases of the Contract?
13
What Are the Contract's Primary Features?
14
Summary of the Index Options
15
How Do the Crediting Methods Work?
15
How Do the Crediting Methods Compare?
15
Bar Chart Examples of the Crediting Methods Performance
16
Can the Crediting Methods or Indexes Change?
18
When Does Allianz Establish the Values Used to Determine Index Credits?
18
What Are the Different Values Within the Contract?
19
What Is the Daily Adjustment?
19
What Is the Performance Lock?
20
Fee Tables
20
Transaction Expenses
21
Annual Contract Expenses
21
Annual Variable Option Expenses
21
Example
22
Risk Factors
22
Liquidity Risks
22
Risks of Investing in Securities
23
Risk of Negative Returns
24
Risks Associated with Calculation of Performance Credits
25
Risks Associated with Performance Locks
25
Substitution of an Index
25
Changes to Caps
26
Investment in Derivative Hedging Instruments
27
Risks of Deducting Financial Adviser Fees from the Contract
27
Our Financial Strength and Claims-Paying Ability
28
Regulatory Protections
28
1.
The Contract
28
Financial Adviser Fees
29
When the Contract Ends
30
2.
Ownership, Annuitant, Determining Life, Beneficiary, and Payee
31
Owner
31
Joint Owner
31
Annuitant
31
Determining Life (Lives)
32
Beneficiary
32
Payee
32
Assignments, Changes of Ownership and Other Transfers of Contract Rights
33
3.
Purchasing the Contract
33
Purchase Requirements
33
Applications Sent Electronically
33
Allocation of Purchase Payments and Contract Value Transfers
34
Automatic Investment Plan (AIP)
35
Free Look/Right to Examine Period
35
4.
Valuing Your Contract
36
Determining Variable Account Value
36
Determining Index Option Values
37
Calculating Performance Credits
38
Daily Adjustment
39
Performance Locks
39
Optional Reallocation Program
40
5.
Variable Options
40
Substitution of Variable Options and Limitation on Further Investments
41
Transfers Between Variable Options
41
Electronic Transfer and Allocation Instructions
42
Excessive Trading and Market Timing
42
Voting Privileges
44
6.
Expenses
44
Base Contract Expenses (Product Fee)
44
Contract Maintenance Charge (Administrative Expenses)
46
Withdrawal Charge
46
Transfer Fee
48
Daily Adjustment Maximum Potential Loss
49
Premium Tax
49
Income Tax
49
Variable Option Expenses
49
7.
Access to Your Money
49
Free Withdrawal Privilege
50
Systematic Withdrawal Program
50
Minimum Distribution Program and Required Minimum Distribution (RMD) Payments
51
Waiver of Withdrawal Charge Benefit
51
Suspension of Payments or Transfers
51
Allianz
                Index Advantage
®
New York Variable Annuity Prospectus – April 29, 2022
Table of Contents
4
TABLE OF CONTENTS
8.
The Annuity Phase
51
Calculating Your Annuity Payments
52
Annuity Payment Options
52
When Annuity Payments Begin
53
9.
Benefits Available Under the Contract
54
10.
Death Benefit
56
Death of the Owner and/or Annuitant
58
Death Benefit Payment Options During the Accumulation Phase
58
Death Benefit Payment Options
58
11.
Taxes
59
Annuity Contracts in General
59
Qualified Contracts
59
Summary of Individuals and Entities That Can Own a Qualified Contract
60
Non-Qualified Contracts
61
Non-Qualified Contracts Owned by Non-Individuals
61
Taxation of Withdrawals
61
10% Additional Federal Tax
61
Non-Qualified Annuity Medicare Tax
63
Payments for Financial Adviser Fees
63
RMDs From Qualified Contracts
63
Diversification
63
Owner Control
63
Taxation of Annuity Payments
64
Distributions Upon the Owner's Death (or Annuitant's Death If the Owner Is a Non-individual)
64
Tax-Free Section 1035 Exchanges
65
Multiple Non-Qualified Contracts Purchased In the Same Year By the Same Owner
66
Assignments, Pledges and Gratuitous Transfers
66
Income Tax Withholding
66
Federal Estate Taxes
67
Generation-Skipping Transfer Tax
67
Foreign Tax Credits
67
Possible Tax Law Changes
67
12.
Other Information
67
The Registered Separate Account
67
Our General Account
67
Our Unregistered Separate Account
68
Distribution
68
Additional Credits for Certain Groups
69
Administration/Allianz Service Center
70
Legal Proceedings
70
Status Pursuant to Securities Exchange Act of 1934
70
13.
Information on Allianz Life of New York
70
Directors, Executive Officers and Corporate Governance
70
Executive Compensation
74
Security Ownership of Certain Beneficial Owners and Management
84
Transactions with Related Persons, Promoters and Certain Control Persons
84
Business and Operational Risks Relevant to the Contract
84
14.
Financial Statements
92
Appendix A – Available Indexes
93
S&P 500
®
Index
93
Russell 2000
®
Index
93
Nasdaq-100
®
Index
94
EURO STOXX 50
®
94
Appendix B – Daily Adjustment
96
Appendix C – Historical Initial and Renewal Caps
98
Index Protection NY Strategy
98
Index Performance Strategy
100
Appendix D – Historical Index Option Performance Information
102
Index Performance Strategy with the S&P 500
®
Index
104
Appendix E – Annual Contract Fees Calculation Examples
106
Appendix F – Material Contract Variations by Issue Date
107
Crediting Method and/or Index Availability Restrictions
107
Automatic Performance Lock Availability Restrictions
107
Appendix G – Variable Options Available Under the Contract
108
Appendix H – Selected Financial Data and Statutory Financial Statements
109
Management's Discussion and Analysis of Financial Condition and Results of Operations (For the 12 month period ended December 31, 2021)
109
Statutory Financial Statements
109
For Service or More Information
110
Our Service Center
110
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®
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Table of Contents
Glossary
This prospectus is written in plain English.
            However, there are some technical words or terms that are capitalized and are used as defined terms throughout the prospectus. For your convenience, we included this glossary to define these terms.
Accumulation Phase
– the first phase of your Contract before you request Annuity Payments. The Accumulation Phase begins on the Issue Date.
Allocation Options
– the Variable Options and Index Options available to you under the Contract.
Annuitant
– the
              individual upon whose life we base the Annuity Payments. Subject to our approval, the Owner designates the Annuitant, and can add a joint Annuitant for the Annuity Phase. There are restrictions on who can become an Annuitant.
Annuity Date
– the date we begin making Annuity Payments to the Payee from the Contract. The earliest available Annuity Date is 13 months after the Issue Date, and the latest possible Annuity Date is either age 90 or age
                100 depending on the requirements of the Financial Professional you purchased your Contract through.
Annuity Options
–
              the annuity income options available to you under the Contract.
Annuity Payments
– payments made by us to the Payee pursuant to the chosen Annuity Option.
Annuity Phase
–
              the phase the Contract is in once Annuity Payments begin.
Beneficiary
– the
              person(s) or entity the Owner designates to receive any death benefit, unless otherwise required by the Contract or applicable law.
Buffer
– for each Index Option, this is the negative Index Return that we absorb before applying a negative Performance Credit. The Buffers are 10% or 30%, and do not change.
Business Day
– each day on which the New York Stock Exchange is open for trading. Allianz Life of New York is open for business on each day that the New York Stock Exchange is open. Our Business Day ends when regular
                trading on the New York Stock Exchange closes, which is usually at 4:00 p.m. Eastern Time.
Cap
– for any
              Index Option, this is the upper limit on positive Index performance and the maximum potential Performance Credit for an Index Option. We set a Cap for each Index Option on the Index Effective Date and each Index Anniversary. The Caps
              applicable to your Contract are shown on the Index Options Statement.
Charge Base
– the Contract Value on the preceding Quarterly Contract Anniversary (or the initial Purchase Payment received on the Issue Date if this is before the first Quarterly Contract
                Anniversary), increased by the dollar amount of subsequent Purchase Payments, and reduced proportionately for subsequent withdrawals you take or financial adviser fees that you choose to have us pay from this Contract (including any
                withdrawal charge) and deductions we make for Contract fees and expenses. All withdrawals you take reduce the Charge Base, even Penalty-Free Withdrawals. We use the Charge Base to determine the next product fee we deduct.
Contract
– the individual flexible purchase payment index-linked and variable deferred annuity contract described by this prospectus. The Contract may also be referred to as a registered index-linked annuity, or "RILA".
Contract Anniversary
– a twelve-month anniversary of the Issue Date or any subsequent Contract Anniversary.
Contract Value
– the value of your Purchase Payments based on the returns of your selected Allocation Options reduced for previously assessed Contract fees and expenses, and withdrawals. On any Business Day, your Contract
                Value is the sum of your Index Option Value(s) and Variable Account Value. The Variable Account Value component of the Contract Value fluctuates each Business Day that money is held in a Variable Option. The Index Option Value component of
                the Contract Value is adjusted on each Index Anniversary to reflect Performance Credits, which can be negative.
A negative Performance Credit means that you can lose principal and previous earnings.
The Index Option Values also reflect the Daily Adjustment on every Business Day other than the Index Effective Date or an Index Anniversary. All withdrawals you take reduce Contract Value dollar for dollar, even Penalty-Free Withdrawals, and financial adviser fees that you choose to have us pay from this Contract. Contract Value is also reduced dollar for dollar for
                deductions we make for Contract fees and expenses. However, Contract Value does not reflect future fees and expenses we would apply on liquidation.
Contract Year
–
              any period of twelve months beginning on the Issue Date or a subsequent Contract Anniversary.
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Crediting Method
– a method we use to calculate annual Performance Credits if you allocate Purchase Payments or transfer Contract Value to an Index Option.
Daily Adjustment
– how we calculate Index Option Values on days other than the Index Effective Date or an Index Anniversary for each Index Option as discussed in the Summary of the Index Options – What is the Daily Adjustment?;
                section 4, Valuing Your Contract – Daily Adjustment ; and Appendix B. The Daily Adjustment approximates the Index Option Value that will be available on the next Index Anniversary. It is the
                estimated present value of the future Performance Credit that we will apply on the next Index Anniversary.
Determining Life (Lives)
– the person(s) designated at Contract issue and named in the Contract on whose life we base the guaranteed Traditional Death Benefit.
Financial Professional
– the person who advises you regarding the Contract.
Good Order
– a
              request is in "Good Order" if it contains all of the information we require to process the request. If we require information to be provided in writing, "Good Order" also includes providing information on the correct form, with any required
              certifications, guarantees and/or signatures, and received at our Service Center after delivery to the correct mailing, email, or website address, which are all listed at the back of this prospectus. If you have questions about the
              information we require, or whether you can submit certain information by fax, email or over the web, please contact our Service Center. If you send information by email or upload it to our website, we send you a confirmation number that
              includes the date and time we received your information.
Guaranteed Death Benefit Value
– the guaranteed value that is available to your Beneficiary(s) on the first death of any Determining Life during the Accumulation Phase. The Guaranteed Death Benefit
                Value is total Purchase Payments reduced proportionately for withdrawals you take (including any withdrawal charge). All withdrawals you take reduce the Guaranteed Death Benefit Value, even Penalty-Free Withdrawals, and any financial
                adviser fees that you choose to have us pay from this Contract. However, we do not reduce the Guaranteed Death Benefit Value for deductions we make for Contract fees and expenses.
Index (Indexes)
–
              one (or more) of the nationally recognized third-party broad based equity securities Indexes available to you under your Contract. The Indexes are described in Appendix A.
Index Anniversary
– a twelve-month anniversary of the Index Effective Date or any subsequent Index Anniversary.  It is the date we apply Performance Credits. If an Index Anniversary does not occur on a Business Day, we consider it to occur on the next Business
              Day for the purposes of determining Index Values and Index Returns, applying Performance Credits, and setting the Caps.
Index Effective Date
– the first day we allocate assets to an Index Option. The Index Effective Date is stated on the Index Options Statement and starts the first Index Year. When you purchase this Contract you select the Index
              Effective Date as discussed in section 3, Purchasing the Contract – Allocation of Purchase Payments and Contract Value Transfers.
Index Option
– the index-linked investments available to you under the Contract. Each Index Option is the combination of a Crediting Method and an Index.
Index Option Base
– an amount we use to calculate Performance Credits and the Daily Adjustment. The Index Option Base is initially equal to the amounts you allocate to an Index Option.
                We reduce the Index Option Base proportionately for withdrawals you take and any financial adviser fees that you choose to have us pay from this Contract (including any withdrawal charge), and
                deductions we make for Contract fees and expenses; we increase/decrease it by the dollar amount of additional Purchase Payments allocated to, transfers into or out of the Index Option; and any Performance Credits.
Index Option Value
– on any Business Day, it is equal to the portion of your Contract Value in a particular Index Option. We establish an Index Option Value for each Index Option you select. Each Index Option Value includes any
                Performance Credits from previous Index Anniversaries and reflects proportional reductions for previous partial withdrawals you take and any financial adviser fees that you choose to have us pay from this Contract (including any withdrawal charge), and previous deductions we made for Contract fees and expenses. On each Business Day during the Index Year other than the Index
                Effective Date or an Index Anniversary, each Index Option Value also includes an increase/decrease from the Daily Adjustment.
Index Options Statement
– the account statement we mail to you on the Index Effective Date and each Index Anniversary thereafter. On the Index Effective Date, the statement shows the initial Index Values, Caps for the Index Options you
              selected. On each Index Anniversary, the statement shows the new Index Values, Performance Credits received, and
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Table of Contents
renewal Caps that are effective for the next year for the Index
            Options you selected. The Index Options Statement also shows the applicable Buffer for your selected Index Option(s).
Index Performance Strategy
– one of the Crediting Methods described in the Summary of the Index Options; and in section 4, Valuing Your Contract – Calculating Credits. The Index Performance
                Strategy calculates Performance Credits based on Index Returns subject to a Cap and 10% Buffer. You can receive negative Performance Credits, which means you can lose principal and previous earnings. The Index Performance Strategy provides
                the highest potential returns. Its Caps will generally be greater than the Index Protection NY Strategy Caps. The Index Performance Strategy is more sensitive to large negative market movements because small negative market movements are
                absorbed by the 10% Buffer.
Index Protection NY Strategy
– one of the Crediting Methods described in the Summary of the Index Options; and in section 4, Valuing Your Contract – Calculating Credits. The Index Protection
                NY Strategy calculates Performance Credits based on Index Returns subject to a Cap and 30% Buffer. You can receive negative Performance Credits under this Crediting Method, which means you can lose principal and previous earnings. The Index
                Protection NY Strategy provides more protection than the Index Performance Strategy. It generally has higher Buffers in exchange for lower Caps.
Index Return
–
              the percentage change in Index Value from the Index Effective Date or an Index Anniversary to the next Index Anniversary, which we use to determine the Performance Credits for any Index Option. The Index Return is an Index's current Index
              Value, minus its Index Value on the last Index Anniversary (or the Index Effective Date if this is the first Index Anniversary), divided by its Index Value on the last Index Anniversary (or the Index Effective Date if this is the first Index
              Anniversary).
Index Value
– an Index's closing market price at the end of the Business Day on the Index Effective Date and each Index Anniversary as provided by Bloomberg or another market source if Bloomberg is
                not available.
Index Year
– a
              twelve-month period beginning on the Index Effective Date or a subsequent Index Anniversary.
Issue Date
– the
              date we issue the Contract. The Issue Date is stated in your Contract and starts your first Contract Year. Contract Anniversaries and Contract Years are measured from the Issue Date.
Joint Owners
–
              the two person(s) designated at Contract issue and named in the Contract who may exercise all rights granted by the Contract.
Lock Date
– this
              is the Business Day we execute a Performance Lock and capture an Index Option Value (which
includes
the Daily Adjustment) before the Index Anniversary.
Non-Qualified Contract
– a Contract that is not purchased under a pension or retirement plan that qualifies for special tax treatment under sections of the Code.
Owner
– "you,"
              "your" and "yours." The person(s) or entity designated at Contract issue and named in the Contract who may exercise all rights granted by the Contract.
Payee
– the
              person or entity who receives Annuity Payments during the Annuity Phase.
Penalty-Free Withdrawals
– withdrawals you take that are not subject to a withdrawal charge. Penalty-Free Withdrawals include withdrawals you take under the free withdrawal privilege or waiver of
                withdrawal charge benefit, and RMD payments you take under our minimum distribution program.
Performance Credit
– the return you receive on an Index Anniversary when you allocate assets to an Index Option. We base Performance Credits on Index Values and Index Returns as limited by the applicable Cap if returns are
                positive, or after application of the Buffer if returns are negative. If Performance Credits are negative,
you can lose principal and previous earnings.
Performance Lock
– a feature that allows you to capture the current Index Option Value during the Index Year . A Performance Lock applies to the total Index Option Value in an Index Option, and not just a portion of that Index
                Option Value. After the Lock Date, Daily Adjustments do not apply to a locked Index Option for the remainder of the Index Year and the Index Option Value will not receive a Performance Credit on the Index Anniversary.
Proxy Investment
– provides a current estimate of what the Performance Credit will be on the next Index Anniversary taking into account any applicable Buffer and Cap. We use the Proxy Investment to calculate the Daily Adjustment on Business Days other than
              the Index Effective Date or an Index Anniversary. For more information, see Appendix B.
Proxy Value
– the
              hypothetical value of the Proxy Investment used to calculate the Daily Adjustment as discussed in Appendix B.
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Purchase Payment
– the money you put into the Contract.
Qualified Contract
– a Contract purchased under a pension or retirement plan that qualifies for special tax treatment under sections of the Code (for example, 401(a) and 401(k) plans), Individual Retirement Annuities (IRAs), or Tax-Sheltered Annuities (referred
              to as TSA contracts). Currently, we issue Qualified Contracts that may include, but are not limited to Roth IRAs, traditional IRAs and Simplified Employee Pension (SEP) IRAs. We may also issue an Inherited IRA and Inherited Roth IRA to make
              any required minimum distribution payments to a beneficiary of a previously held tax-qualified arrangement.
Quarterly Contract Anniversary
– the day that occurs three calendar months after the Issue Date or any subsequent Quarterly Contract Anniversary.
Separate Account
– Allianz Life of NY Variable Account C is the Separate Account that issues the variable investment portion of your Contract. It is a separate investment account of Allianz Life of New York. The Separate Account holds the Variable Options
              that underlie the Contracts. The Separate Account is divided into subaccounts, each of which invests exclusively in a single Variable Option. The Separate Account is registered with the SEC as a unit investment trust, and may be referred to
              as the Registered Separate Account.
Service Center
–
              the area of our company that issues Contracts and provides Contract maintenance and routine customer service. Our Service Center address and telephone number are listed at the back of this prospectus. The address for mailing applications
              and/or checks for Purchase Payments may be different and is also listed at the back of this prospectus.
Traditional Death Benefit
– the guaranteed death benefit automatically provided by the Contract for no additional fee described in section 10.
Valid Claim
– the
              documents we require to be received in Good Order at our Service Center before we pay any death claim. This includes the death benefit payment option, due proof of death, and any required governmental forms. Due proof of death includes a
              certified copy of the death certificate, a decree of court of competent jurisdiction as to the finding of death, or any other proof satisfactory to us.
Variable Account Value
– on any Business Day it is equal to the portion of your Contract Value in your selected Variable Options. The Variable Account Value increases and decreases based on your selected Variable Options' performance
                and reflects deduction of the Variable Option operating expenses, and previous deductions we made for Contract fees and expenses.
Variable Options
– the variable investments available to you under the Contract. Variable Option performance is based on the securities in which they invest.
Withdrawal Charge Basis
– the total amount under your Contract that is subject to a withdrawal charge as discussed in section 6, Expenses – Withdrawal Charge.
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Table of Contents
Important Information You Should Consider About the
              Contract
FEES AND EXPENSES
Prospectus
Location
Charges
for Early
Withdrawals
If you withdraw money from the Contract within 6 years of your last Purchase Payment, you may be assessed a withdrawal
                      charge of up to 8.5% of the Purchase Payment withdrawn, declining to 0% over that time period. For example, if you invest $100,000 in the Contract and make an early withdrawal, you could pay a withdrawal charge of up to $8,500.
In addition, if you take a full or partial withdrawal (including financial adviser fees that you choose to have us pay from this Contract) from an Index Option on a date other than the Index Effective Date or an Index Anniversary, a
                      Daily Adjustment will apply to the Index Option Value available for withdrawal. The Daily Adjustment also applies if before the Index Anniversary you execute a Performance Lock, annuitize the Contract, we pay a death benefit, or we
                      deduct Contract fees and expenses. The Daily Adjustment may be positive, negative, or equal to zero. A negative Daily Adjustment will result in loss. In extreme circumstances, a negative Daily Adjustment could result in a loss beyond
                      the protection of the 10% or 30% Buffer, but it cannot result in a total loss of -100%.
Fee Tables
4. Valuing Your
Contract – Daily
Adjustment
6. Expenses –
Withdrawal
Charge
Appendix B – Daily
Adjustment
Transaction
Charges
In addition to withdrawal charges, and Daily Adjustments that may apply to withdrawals and other transactions from the Index
                      Options, we will also charge you a fee of $25 per transfer after you exceed 12 transfers between Variable Options (the variable investments available to you) in a Contract Year.
Fee Tables
6. Expenses –
Transfer Fee
Ongoing
Fees and
Expenses
(annual charges)
The table below describes the fees and expenses that you may pay
each year
,
                      depending on the options you choose. Please refer to your Contract specifications page for information about the specific fees you will pay
each year
based on the options you have
                      elected. These ongoing fees and expenses do not reflect any financial adviser fees paid to a Financial Professional from your Contract Value or other assets of the Owner. If such charges were reflected, these ongoing fees and expenses
                      would be higher.
Fee Tables
6. Expenses
Appendix G – Variable
Options
Under the
Contract
Annual Fee
Minimum
Maximum
Base Contract
(1)
1.26%
1.26%
Investment Options
(2)
(Variable Option fees and expenses)
0.65%
0.71%
Optional Benefits Available for an Additional Charge
(for a single optional benefit, if elected)
Not Applicable
Not Applicable
(1)
As a percentage of the Charge
                        Base, plus an amount attributable to the contract maintenance charge.
(2)
As a percentage of the Variable
                        Option's average daily net assets.
Because your Contract is customizable, the choices you make affect how much you will pay. To help you understand the cost of
                      owning your Contract, the following table shows the lowest and highest cost you could pay each year, based on current charges. This estimate assumes that you do not take withdrawals from the Contract,
which if taken from the Index Options could result in substantial losses due to the application of negative Daily Adjustments
.
Lowest Annual Cost:
$2,212
Highest Annual Cost:
$2,275
Assumes:
• Investment of $100,000
• Least expensive Variable Option fees and expenses
• 5% annual appreciation
• No additional Purchase Payments, transfers, or withdrawals
• No financial adviser fees
Assumes:
• Investment of $100,000
• Most expensive Variable Option fees and expenses
• 5% annual appreciation
• No additional Purchase Payments, transfers, or withdrawals
• No financial adviser fees
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®
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Table of Contents
RISKS
Prospectus
Location
Risk of
Loss
You can lose money by investing in the Contract, including loss of principal and previous earnings.
Risk Factors
Not a
Short-Term
Investment
• This Contract is not a short-term investment and is not appropriate if you need ready access to cash. • Considering
                      the benefits of tax deferral and long-term income, the Contract is generally more beneficial to investors with a long investment time horizon. • If within six years after we receive a Purchase Payment you take a full or partial
                      withdrawal (including financial adviser fees that you choose to have us pay from this Contract), withdrawal charges may apply. A withdrawal charge may reduce your Contract Value or the amount of money that you actually receive.
                      Withdrawals may reduce or end Contract guarantees. • Withdrawals may be subject to income taxes, including a 10% additional federal tax that may apply to withdrawals taken before age 59
1
⁄
2
. • Amounts invested in an Index Option must be held in the Index Option for a
                      full Index Year before they can receive a Performance Credit. We apply a Daily Adjustment if before the Index Anniversary you take a full or partial withdrawal (including financial adviser fees that you choose to have us pay from this
                      Contract), annuitize the Contract, execute a Performance Lock, we pay a death benefit, or we deduct Contract fees and expenses. The Daily Adjustment takes into account any Index gains subject to the applicable Cap, but in the form of
                      the estimated present value. Therefore, the Daily Adjustment could result in a loss beyond the protection of the Buffer. In extreme circumstances, a negative Daily Adjustment could result in a loss beyond the protection of the 10% or
                      30% Buffer, but it cannot result in a total loss of -100%. Any losses as a result of a Daily Adjustment will be greater if the amount withdrawn is also subject to a withdrawal charge, or is a deduction of Contract fees and expenses.
Risk Factors
Summary of the
Index Options
4. Valuing Your
Contract
Risks
Associated
with
Investment
Options
• An investment in the Contract is subject to the risk of poor investment performance and can vary depending on the
                      performance of the Variable Options and the Index Options available under the Contract. • Each Variable Option and Index Option has its own unique risks. • You should review each Variable Option's prospectus and
                      disclosures, including risk factors, for each Index Option before making an investment decision.
Risk Factors
Insurance
Company
Risks
An investment in the Contract is subject to the risks related to us. All obligations, guarantees or
                      benefits of the Contract are the obligations of Allianz Life and are subject to our claims-paying ability and financial strength. More information about Allianz Life, including our financial strength ratings, is available upon request
                      by visiting
allianzlife.com/new-york/about/why-allianz
, or contacting us at (800) 624-0197.
Risk Factors
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Table of Contents
RESTRICTIONS
Prospectus
Location
Investments
• Certain Index Options may not be available under your Contract. • The first 12 transfers between Variable Options
                      every Contract Year are free. After that, we deduct a $25 transfer fee for each additional transfer. Your transfers between the v Options are also subject to policies designed to deter excessively frequent transfers and market timing. •
                      We only allow assets to move into the Index Options on the Index Effective Date and on subsequent Index Anniversaries. We hold Purchase Payments in the AZL Government Money Market Fund until we transfer them to your selected Index
                      Options according to your Purchase Payment default instructions. On the Index Effective Date we rebalance or reallocate your total Contract Value among all of your selected Allocation Options according to your Purchase Payment default
                      instructions. For additional Purchase Payments we receive
after
the Index Effective Date, we transfer the amounts held in the AZL Government Money Market Fund to
                      your selected Index Options on the next Index Anniversary. Therefore, additional Purchase Payments we receive after the Index Effective Date that you allocate to an Index Option are not eligible to receive a Performance Credit until
                      the second Index Anniversary after we receive them. • You can transfer Index Option Value only on an Index Anniversary. • The Traditional Death Benefit may not be modified, but it will terminate if you take withdrawals
                      that reduce both the Contract Value and Guaranteed Death Benefit Value to zero. Withdrawals may reduce the Traditional Death Benefit's Guaranteed Death Benefit Value by more than the value withdrawn and could end the Traditional Death
                      Benefit. • We reserve the right to close or substitute the Variable Options, and to limit the amount of Purchase Payments that can be held in a Variable Option. We also reserve the right to substitute Indexes.
Summary of the Index Options
5. Variable Options
6. Expenses – Transfer Fee
Appendix A – Available Indexes
Optional
Benefits
The Contract does not offer any Optional Benefits.
Not Applicable
TAXES
Tax
Implications
• Consult with a tax professional to determine the tax implications of an investment in and withdrawals from or payments
                      received under the Contract. • If you purchased the Contract through a tax-qualified plan or individual retirement account (IRA), you do not get any additional tax benefit under the Contract. • Earnings under the Contract
                      may be taxed at ordinary income rates when withdrawn, and you may have to pay a 10% additional federal tax if you take a full or partial withdrawal before age 59
1
⁄
2
.
11. Taxes
CONFLICTS OF INTEREST
Investment
Professional
Compensation
Your Financial Professional may receive compensation for selling this Contract to you, in the form of commissions,
                      additional cash benefits (e.g., cash bonuses), and non-cash compensation. We and/or our wholly owned subsidiary distributor may also make marketing support payments to certain selling firms for marketing services and costs associated
                      with Contract sales. This conflict of interest may influence your Financial Professional to recommend this Contract over another investment for which the Financial Professional is not compensated or compensated less.
12. Other
Information –
Distribution
Exchanges
Some Financial Professionals may have a financial incentive to offer you a new contract in place of the
                      one you already own. You should only exchange your contract if you determine, after comparing the features, fees, and risks of both contracts, that it is better for you to purchase the new contract rather than continue to own your
                      existing contract.
12. Other
Information –
Distribution
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®
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12
Table of Contents
Overview of the Contract
What Is the Purpose of the Contract?
The Allianz Index Advantage
®
New York is a product that offers index-linked investment options
(Index Options)
and variable investment
              options
(Variable Options)
and allows you to defer taking regular fixed periodic payments
(Annuity Payments)
to a future date. Under
              the Contract, you make one or more payments to us
(Purchase Payments)
. Purchase Payments you allocate to the Index Options are first invested for a limited time in the AZL Government Money
              Market Fund and then transferred to the Index Option(s) that you select for investment. Depending on several factors (e.g., Allocation Options you select, market conditions, and timing of any withdrawals), your Contract can gain or lose
              value. When you are ready to receive a guaranteed stream of income under your Contract, you can annuitize your accumulated assets and begin receiving Annuity Payments from us based on the payout option you select
(Annuity Options)
. The Contract includes for no additional charge a standard death benefit (the Traditional Death Benefit) that helps to financially protect your beneficiaries.
We designed the Contract for people who are
              looking for a death benefit for a period of time, and a level of protection for your principal investment while providing potentially higher returns than are available on traditional fixed annuities. In addition, you should have a long
              investment time horizon and your financial goals should be otherwise consistent with the terms and conditions of the Contract. This Contract is not intended for someone who is seeking complete protection from downside risk, seeking unlimited
              investment potential, or expecting to take withdrawals that will be subject to withdrawal charges or Daily Adjustments (i.e., a person that does not need access to Contract Value within six years after we receive a Purchase Payment, or before
              an Index Anniversary).
We offer other annuity contracts that may
              address your investment and retirement needs. These contracts include variable annuities, registered index-linked annuities and fixed index annuities. These annuity products offer different features and benefits that may be more appropriate
              for your needs, including allocation options, fees and/or expenses that are different from those in the Contract offered by this prospectus. Not every contract is offered through every Financial Professional. Some Financial Professionals or
              selling firms may not offer and/or limit offering of certain features and benefits, as well as limit the availability of the contracts based on criteria established by the Financial Professional or selling firm. For more information about
              other annuity contracts, please contact your Financial Professional.
The product or certain product features may
              not currently be available in all states or to all Contracts, or may vary in your state (such as the free look). For more information see Appendix F - Material Contract Variations by Issue Date. Availability of Index Options may vary by
              financial intermediary. You can obtain information on which Index Options are available to you by calling (800) 624-0197, or from your Financial Professional.
What Are the Phases of the Contract?
The Contract has two phases: (1) an
              Accumulation Phase, and (2) an Annuity Phase.
•
Accumulation Phase.
This is the first phase of your Contract, and it begins on the Issue Date. During the Accumulation Phase, your money is invested under the
                        Contract on a tax-deferred basis. Tax deferral may not be available for certain non-individually owned contracts. Tax deferral means you are not taxed on any earnings or appreciation on the assets in your Contract until you take
                        money out of your Contract. In addition, during this phase, you can make additional Purchase Payments, you can take withdrawals, and if you die we pay a death benefit to your named Beneficiary(s).
Your Contract Value may fluctuate up or down during the Accumulation Phase based on the performance of your selected Allocation Options.
–
Index Options.
You may allocate your Purchase Payments to any or all of the Index Options available under your Contract. There are currently 8 Index Options based on different
                        combinations of two credit calculation methods
(Crediting Methods)
, and four nationally recognized third-party broad based equity securities indexes
(Indexes)
. Each Index Option is the combination of an Index and a Crediting Method.
The available Crediting Methods and Indexes are included on the cover page of this prospectus. Please see "Summary of the Index Options" for an overview of how the Index Options work. More detailed information about
                      the Index Options is included in section
4, Valuing Your Contract.
–
Variable Options.
You can allocate your Purchase Payments to any or all of the Variable Options available under your Contract. We only allow assets to move
                        into the Index Options on the Index Effective Date and on subsequent Index Anniversaries. As a result, we hold Purchase Payments you allocate to the Index Options in the AZL Government Money Market Fund until we transfer them to the
                        Index Options in accordance with your instructions. The Variable Options are underlying mutual funds with their own investment objectives, strategies, and risks.
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®
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Table of Contents
Please see Appendix G for more information about the Variable Options.
•
Annuity Phase.
If you request Annuity Payments, the Accumulation Phase ends and the
Annuity Phase
begins. Annuity Payments are fixed payments we make based on the Annuity Option you select and your Contract Value (which reflects any previously deducted Contract fees and
                        expenses) less final product fee. Annuity Payments can provide a guaranteed lifetime fixed income stream with certain tax advantages. We designed the Annuity Payments for Owners who no longer need immediate access to Contract Value
                        to meet their short-term income needs.
During the Annuity Phase, you will receive a stream of regular income in the form of Annuity Payments. You will be unable to take withdrawals upon demand, the Traditional Death Benefit ends, and no
                      amounts will be payable upon death during the Annuity Phase unless your Annuity Option provides otherwise.
What Are the Contract's Primary
              Features?
•
Accessing Your Money.
During the Accumulation Phase, you can surrender (take a full withdrawal) the Contract or take partial withdrawals. Withdrawals may be
                        subject to a withdrawal charge, negative Daily Adjustments, and income taxes, including a 10% additional federal tax if taken before age 59
1
⁄
2
.
•
Additional Purchase Payments.
Subject to the limitations described in this prospectus, we continue to accept additional Purchase Payments under the Contracts
                        during the Accumulation Phase. However, we may terminate your ability to make additional Purchase Payments in the future. We only allow additional Purchase Payments to move into Index Options on Index Anniversaries. As a result, we
                        hold Purchase Payments we receive on days other than an Index Anniversary in the AZL Government Money Market Fund and such Purchase Payments are not available to receive Performance Credits until we transfer them to your selected
                        Index Options. We do not allow assets to move into an established Index Option until the Index Anniversary.
•
Death Benefit.
The Contract's death benefit is paid upon the first death of any Determining Life during the Accumulation Phase. The Contract includes for no
                        additional charge a standard death benefit
(the Traditional Death Benefit)
. The death benefit equals the greater of
                        Contract Value, or the Guaranteed Death Benefit Value (which is based on Purchase Payments).
•
Withdrawal Charge Waivers.
Under the free withdrawal privilege, you may withdraw up to 10% of your total Purchase Payments each Contract Year during the
                        Accumulation Phase without incurring a withdrawal charge. Upon a full withdrawal, the free withdrawal privilege is not available to you. We do not apply a withdrawal charge to deductions we make for Contract fees or expenses. The
                        waiver of withdrawal charge benefit allows you to take a withdrawal without incurring a withdrawal charge if you are confined to a nursing home for a period of at least 90 consecutive days. Also, if you own an Individual Retirement
                        Annuity (IRA) or Simplified Employee Pension (SEP) IRA Contract, payments you take under our minimum distribution program (RMD payments) are not subject to a withdrawal charge.
•
Deduction of Financial Adviser Fees.
If you have a financial adviser and want to pay their financial adviser fees from this Contract, you
                        can instruct us to withdraw the fee from your Contract and pay it to your Financial Professional or Financial Professional's firm as instructed. The deduction of financial adviser fees is in addition to this Contract's fees and
                        expenses, and the deduction is treated the same as any other withdrawal under the Contract. As such, withdrawals to pay financial adviser fees may be subject to withdrawal charges, will reduce the Contract Value and Guaranteed Death
                        Benefit Value (perhaps significantly), and may be subject to income taxes (including tax penalties if you are younger than age 59
1
⁄
2
).
Please consult with your Financial Professional before requesting us
                      to pay financial adviser fees from this Contract compared to other assets you may have.
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®
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Table of Contents
Summary of the Index Options
How Do the Crediting Methods Work?
The
Index
              Protection NY Strategy
provides a Performance Credit based on Index Values and Index Return.
•
If the Index Return is positive, the Performance Credit is equal to the Index Return up to the Cap.
•
If the current Index Value is equal to the Index Value on the last Index Anniversary, the Performance Credit is zero.
•
If the Index Return is negative and the loss is:
–
less than or equal to the 30% Buffer, the Performance Credit is zero. We absorb any loss up to the 30% Buffer.
–
greater than the 30% Buffer, the negative Performance Credit is equal to the negative Index Return in excess of the 30% Buffer. You participate in any losses beyond the 30% Buffer.
The
Index
              Performance Strategy
also provides a Performance Credit based on Index Values and Index Returns.
•
If the Index Return is positive, the Performance Credit is equal to the Index Return up to the Cap.
•
If the current Index Value is equal to the Index Value on the last Index Anniversary, the Performance Credit is zero.
•
If the Index Return is negative and the loss is:
–
less than or equal to the 10% Buffer, the Performance Credit is zero. We absorb any loss up to the 10% Buffer.
–
greater than the 10% Buffer, the negative Performance Credit is equal to the negative Index Return in excess of the 10% Buffer. You participate in any losses beyond the 10% Buffer.
A more detailed description
              of how we calculate Credits, including numerical examples, is included in section 4, Valuing Your Contract – Calculating Credits.
•
The
                      Index Protection NY Strategy and Index Performance Strategy allow negative Performance Credits.
A negative Performance Credit means you can lose principal and previous
                      earnings. These losses could be significant.
•
Because we calculate Index Returns only on a single date in time, you may experience negative or flat performance even though the Index you selected for a given Crediting Method experienced gains
                      through some, or most, of the Index Year.
How Do the Crediting Methods Compare?
The Crediting Methods have different risk and
            return potentials.
Index Protection NY Strategy
Index Performance Strategy
What is the asset protection?
• Most protection – has higher Buffers than the Index Performance Strategy.
• Buffer absorbs 30% loss, but you receive a negative Performance Credit for losses greater than 30%.
• Potential for large losses in any one Index Year.
• Impacted by very large negative market movements because small and moderate negative market movements are absorbed by the 30% Buffer.
• Less protection – has lower Buffers than the Index Protection NY Strategy.
• Buffer absorbs 10% of loss, but you receive a negative Performance Credit for losses greater than the 10% Buffer.
• Potential for large losses in any one Index Year.
• More sensitive to large negative market movements because small negative market movements are absorbed by the 10% Buffer. In a period of extreme negative market performance, the risk of loss is greater with the Index Performance
                      Strategy.
What is the growth opportunity?
• Less growth opportunity – generally has lower Caps than the Index Performance
                      Strategy.
• Growth opportunity limited by the Caps.
• Most growth opportunity – generally has higher Caps than the Index Protection NY Strategy.
• Growth opportunity limited by the Caps.
• May perform best in a strong market.
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®
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Table of Contents
Index Protection NY Strategy
Index Performance Strategy
What can change within a Crediting Method?
• Renewal Caps for existing Contracts can change annually.
• The 30% Buffers for the currently available Index Options cannot change. However, if we add a new Index Option to your Contract after the Issue Date, we establish the Buffer for it on the date we add the Index Option to your
                      Contract.
• Caps are subject to a 1.50% minimum.
• Renewal Caps for existing Contracts can change annually.
• The 10% Buffers for the currently available Index Options cannot change. However, if we add a new Index Option to your Contract after the Issue Date, we establish the Buffer for it on the date we add the Index Option to your
                      Contract.
• Caps are subject to a 1.50% minimum.
•
You participate in any negative Index Return in excess of the Buffer
, which reduces your Contract Value. For example, for a 10% Buffer we absorb
                      the first -10% of Index Return and you could lose up to 90% of the Index Option Value.
• Caps as set by us from time-to-time may vary substantially based on market conditions.
However, in extreme market environments, it is possible that all Caps will be equal and
                        reduced to the minimum of 1.50%
.
•
Caps can be different from Index Option to Index Option
. For example, Caps for the Index Performance Strategy can be different between the S&P 500
®
Index and the Nasdaq-100
®
Index, and Caps for the S&P 500
®
Index can be different between the Index Protection NY Strategy and Index Performance Strategy.
They
                        may also be different from Contract-to-Contract depending on Index Effective Date
.
Bar Chart Examples of the Crediting Methods
            Performance
The following hypothetical
              examples show conceptually how the Crediting Methods might work in different market environments and assume no change in the hypothetical Caps. All values below are for illustrative purposes only. The examples do not reflect any Caps that may
              actually apply to a Contract. The examples do not predict or project the actual performance of the Allianz Index Advantage
®
New York. Although an Index or
              Indexes will affect your Index Option Values, the Index Options do not directly participate in any stock or equity investment and are not a direct investment in an Index. The Index Values do not include the dividends paid on the stocks
              comprising an Index. An allocation to an Index Option is not a purchase of shares of any stock or index fund. These examples do not reflect any withdrawals taken before the Index Anniversary (including any financial adviser fees that you
              choose to have us pay from this Contract), or deductions we make for Contract fees and expenses. Historical Index Option performance information is also included in Appendix D.
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®
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Table of Contents
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®
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Table of Contents
Can the Crediting Methods or Indexes Change?
We can add new Crediting
              Methods and Indexes to your Contract in the future, and you can allocate Purchase Payments or transfer Contract Value to them on the next Index Anniversary after we make them available to you. Once we add a Crediting Method to your Contract
              we cannot remove it, or change how it calculates Performance Credits. If we add a new Index Option to your Contract, we cannot change its Buffer after it is established. However, we can change the renewal Caps associated with any Index Option
              on each Index Anniversary.
Once we add an Index to your Contract, we cannot
            remove it without simultaneously replacing or substituting it. Index replacements and substitutions can occur either on an Index Anniversary or during an Index Year. If we substitute an Index during an Index Year, we will combine the return of
            the previously available substituted Index with the return of the new Index. However, if we substitute an Index, we do
not
change the Buffers applicable to your Contract, or the
            current Caps that we set on the prior Index Anniversary. Changes to the Caps for the new substituted Index, if any, may occur at the next regularly scheduled Index Anniversary or later Index Anniversaries. For more information, see Risk Factors
            – Substitution of an Index.
Historical information on the Caps is provided in Appendix C.
This information is for historical
                        purposes only and is not a representation as to future Caps.
When Does Allianz Establish the Values Used to
            Determine Index Credits?
The 10% and 30% Buffers for
              the currently available Index Options do not change. However, if we add a new Index Option to your Contract after the Issue Date, we establish the Buffer for it on the date we add the Index Option to your Contract.
We establish the initial Caps for a newly
              issued Contract on the Index Effective Date and they cannot change until the next Index Anniversary. You select the Index Effective Date when you purchase your Contract. It can be any Business Day from the Issue Date up to and including the
              first Quarterly Contract Anniversary, but it cannot be the 29th, 30th or 31st of a month.
You should be aware that, generally, Caps could change every seven calendar days. However, these rates are
                guaranteed to be available during the period stated on our website at
allianzlife.com/indexratesny
and
                cannot be superseded until that period ends. Therefore, if you select an Index Effective Date that is after the date the rate is guaranteed to be available, you are subject to the risk that initial Caps may change and be less advantageous
                to you. Furthermore, if the Index Effective Date is after the free look period, you will be subject to the withdrawal charge, and final product fee and contract maintenance charge if you then elect to cancel the Contract after the free look
                period. You may review future rates at least seven calendar days before their effectiveness at
allianzlife.com/indexratesny
. You (or your Financial Professional, if authorized) can change your Index Effective Date at any time before it occurs to be an earlier or later date by submitting a request.
We can change the renewal Caps for an existing
              Contract on each Index Anniversary, in our discretion. Your initial and renewal Caps are stated in your
Index Options Statement
, which is the account statement we mail to you on the Index
              Effective Date and each Index Anniversary. The Index Options Statement also includes the Index Values on the Index Effective Date and each subsequent Index Anniversary. We use these Index Values to determine Index Returns and Performance
              Credits.
For information on the initial Caps we
              currently offer for newly issued Contracts, see our website at
allianzlife.com/indexratesny
, or call (800) 624-0197.
We
                publish any changes to these values at least seven calendar days before the Index Effective Date that they take effect. If you select the earliest Index Effective Date or an Index Effective Date that is within the guaranteed period
                applicable to the initial rates in effect on the Issue Date, the initial rates available for review on your Issue Date will be the rates on your Index Effective Date. However, if you choose to defer your Index Effective Date your initial
                rates may change from the values that were available on your Issue Date. You are responsible for reviewing the initial rates before your Index Effective Date to ensure your allocations and the product still meet your needs.
We will send you a letter at least 30 days
              before each Index Anniversary. This letter advises you that current Caps are expiring, and that
renewal rates for the next Index Anniversary will be available for your review in your account on our
                website at least seven calendar days before they take effect on the upcoming Index Anniversary
. Renewal rates are also available on our website at
allianzlife.com/indexratesny
,
              or call (800) 624-0197. The Index Anniversary letter also reminds you of your opportunity to transfer Variable Account Value to the Index Options, or reallocate your Index Option Values on the upcoming Index Anniversary.
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®
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Table of Contents
•  If your Contract is within its free look period
                      you may be able to take advantage of any increase in initial Caps by cancelling your Contract and purchasing a new Contract.
•  If the initial Caps available
                      on the Index Effective Date are not acceptable you can:
–  cancel your Contract if you are still within the free look period,
–  request to extend your Index Effective Date if you have not reached your first Quarterly Contract Anniversary,
–  on or before the Index Effective Date, cancel the Contract and request a full withdrawal of the money held in the AZL Government Money Market Fund and receive the Contract Value
                      less withdrawal charge, and final product fee and contract maintenance charge; on or before the Index Effective Date you are
not
subject to the Daily
                      Adjustment,
but you are subject to a withdrawal charge
, or
–  after the Index Effective Date, cancel the Contract and request a full withdrawal of the Contract Value less withdrawal charge, and final product fee and contract maintenance
                      charge;
after the Index Effective Date, you will be subject to a withdrawal charge and the Daily Adjustment
.
•  Caps may be different between
                      newly issued and existing Contracts, and between existing Contracts issued on the same month and day in different years. For example, assume that on January 3, 2017 we set Caps for the Index Performance Strategy 1-year Term with the
                      S&P 500
®
Index as follows:
–  13% initial rate for new Contracts issued in 2017,
–  14% renewal rate for existing Contracts issued in 2016, and
–  12% renewal rate for existing Contracts issued in 2015.
What Are the Different Values Within the Contract?
The Contract provides the
              following values as discussed in section 4, Valuing Your Contract.
•
The Contract Value is the sum of your Variable Account Value and Index Option Values. Contract Value reflects any previously deducted Contract fees and expenses, but does not reflect Contract fees and expenses that we
                      would apply on liquidation.
•
Your Variable Account Value is the sum of the values in your selected Variable Options. It reflects deduction of Variable Option operating expenses, any previously assessed transfer fee, contract maintenance charge,
                      product fee, and any withdrawal charge. It changes each Business Day based on the performance of the Variable Options.
•
Your total Index Option Value is the sum of the values in each of your selected Index Options. Each Index Option Value includes any Performance Credits from previous Index Anniversaries, reduced proportionately for
                      previous partial withdrawals you took and any financial adviser fees that you choose to have us pay from this Contract (including any withdrawal charges), and previous deductions we made for Contract fees and expenses. Amounts removed
                      from the Index Options during the Index Year for withdrawals you take and deductions we make for fees and expenses
do not
receive a Performance Credit on
                      the next Index Anniversary, but the amount remaining does receive a Performance Credit subject to the applicable Cap or Buffer.
–
On each Business Day during the Index Year other than the Index Effective Date or an Index Anniversary, we calculate the current Index Option Value by adding a Daily Adjustment to the Index Option Base. The
Index Option Base
is the amount you allocate to an Index Option. We reduce the Index Option Base proportionately for withdrawals you take and any financial adviser fees that you choose to
                      have us pay from this Contract (including any withdrawal charges), and deductions we make for Contract fees and expenses; we increase/decrease it by the dollar amount of additional Purchase Payments allocated to, transfers into or out
                      of the Index Option; and any Performance Credit.
What Is the Daily Adjustment?
The Daily Adjustment is how
              we calculate Index Option Values on Business Days other than the Index Effective Date or an Index Anniversary for each Index Option.
The Variable Options are not subject to the Daily
                Adjustment.
The Daily Adjustment can affect the amounts
            available for withdrawal, annuitization, payment of the death benefit, and the Contract Value used to determine the Charge Base and contract maintenance charge. The Daily Adjustment can be positive or negative. When the Daily Adjustment is
            positive, your Index Option Value has increased since the beginning of the year. When it is negative, your Index Option Value has decreased (excluding the effect of the deduction of Contract expenses or any partial withdrawal).
We calculate the Daily
              Adjustment for a given Business Day before we deduct any Contract fees or expenses or process any partial withdrawal on that Business Day, including Penalty-Free Withdrawals, and any financial adviser fees that you
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®
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Table of Contents
choose to have us pay from this Contract. However, the Daily
              Adjustment calculation is not affected by any Contract expense deduction or partial withdrawal. The Daily Adjustment does not change the Contract fee or expense deducted or the withdrawal amount; it only changes the Index Option Value from
              which we deduct the Contract fee or expense or withdrawal.
The Daily Adjustment approximates the Index
            Option Value that will be available on the next Index Anniversary. It is the estimated present value of the future Performance Credit that we will apply on the next Index Anniversary. The Daily Adjustment takes into account:
(i)
any Index gains during the Index Year subject to the Cap,
(ii)
any Index losses greater than the 10% or 30% Buffer, and
(iii)
the number of days until the next Index Anniversary.
The Daily Adjustment does this by using the
              hypothetical value of a Proxy Investment
(Proxy Value)
each Business Day, other than the Index Effective Date or an Index Anniversary, based on the formulas described in Appendix B. The
Proxy Investment
provides a current estimated present value of what the Performance Credit will be on the next Index Anniversary taking into account the applicable Buffer and Cap. The Daily
              Adjustment is not the actual Index return on the day of the calculation, and the estimated present value Performance Credit is not guaranteed. Therefore, the Daily Adjustment could result in a loss beyond the protection of the Buffer.
In extreme circumstances the Daily Adjustment could result in a loss beyond the protection of the 10% or 30% Buffer, but it cannot result in a total loss of -100%.
Such losses will be greater if the amount withdrawn (including any financial adviser fees that you choose to have us pay from this
                Contract) is also subject to a withdrawal charge, or is a deduction of Contract fees and expenses.
A withdrawal taken during the Index Year may
              not receive the full benefit of the Buffer because the Daily Adjustment takes into account what may potentially happen between the withdrawal date and the next Index Anniversary. All other factors being equal, even if the current Index return
              during the Index Year is greater than the Cap, the Daily Adjustment will usually be lower than the Cap. This is because there is a possibility that the Index return could decrease before the end of the Index Year. Similarly, even though a
              negative Index return may be within the 10% or 30% Buffer, you still may receive a negative Daily Adjustment because there is a possibility that the Index Return could decrease before the end of the Index Year.
A negative Daily Adjustment may cause you to realize loss of principal and previous earnings.
The Daily Adjustment's risks are discussed in
              more detail in Risk Factors – Risk of Negative Returns. The specific details of the Daily Adjustment formula are described in Appendix B and in Exhibit 99(a) of the Form S-1 Registration Statement filed with the SEC, of which this prospectus
              is a part. This information is incorporated by reference into this prospectus. You can obtain a copy of Exhibit 99(a) by calling (800) 624-0197, or visiting our website at
allianzlife.com/new-york
.
What Is the Performance Lock?
You can capture the current Index Option Value
              (which includes the Daily Adjustment) on any Business Day during an Index Year through our Performance Lock feature. You (or your Financial Professional, if authorized) can request Performance Locks based on the Daily Adjustment. On our
              website the Daily Adjustment is included in the Index Option Value return figures. The Business Day that we execute a Performance Lock is the
Lock Date
for that Index Option.
We will not provide advice or notify you regarding whether you should exercise a Performance Lock or the optimal time for doing so. We will not warn you if you
                    exercise a Performance Lock at a sub-optimal time. We are not responsible for any losses related to your decision whether or not to exercise a Performance Lock.
Fee Tables
The following tables describe
              the fees and expenses that you will pay when buying, owning, and surrendering or making withdrawals from the Contract. Please refer to your Contract specifications page for information about the specific fees you will pay each year. These
              tables do not reflect any financial adviser fees that you pay from your other assets, or that you choose to have us pay from this Contract. If financial adviser fees were reflected, fees and expenses would be higher.
The first table describes the fees and expenses
              that you will pay at the time that you buy the Contract, surrender or make withdrawals from the Contract, or transfer Contract Value between investment options. State premium taxes may also be deducted.
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®
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Table of Contents
Transaction Expenses
Withdrawal Charge During Your Contract's First Phase,
            the Accumulation Phase
(1)
(as a percentage of each Purchase Payment withdrawn)
(2)
Number of Complete Years
Since Purchase Payment
Withdrawal Charge Amount
0
8.5%
1
8%
2
6.5%
3
5%
4
3%
5
1%
6 years or more
0%
Transfer Fee
(3)
$25
(for each transfer between Variable Options after twelve in a Contract Year)
Index Protection NY Strategy and
Index Performance Strategy
Daily Adjustment Maximum Potential Loss
99%
(as a percentage of Index Option Value, applies for distributions from an Index Option before any Index Anniversary)
(4)
(1)
The Contract provides a free withdrawal privilege that allows you to withdraw 10% of your total Purchase Payments annually without incurring a withdrawal charge, as discussed in section 7, Access to Your Money – Free
                      Withdrawal Privilege.
(2)
The Withdrawal Charge Basis is the total amount under your Contract that is subject to a withdrawal charge, as discussed in section 6, Expenses – Withdrawal Charge.
(3)
We count all transfers made in the same Business Day as one transfer, as discussed in section 6, Expenses – Transfer Fee. The transfer fee does not apply to transfers to or from the Index Options and these transfers do
                      not count against your free transfers. Transfers are subject to the policies discussed in section 5, Variable Options – Excessive Trading and Market Timing.
(4)
This shows the maximum potential loss due to the application of the Daily Adjustment (e.g., maximum loss could occur if there is a total distribution within an Index Year at a time when the Index
                      price has declined to zero). The Daily Adjustment could result in a loss beyond the protection of the 10% or 30% Buffer. The Daily Adjustment applies if before an Index Anniversary you take a full or partial withdrawal (including any
                      financial adviser fees that you choose to have us pay from this Contract), execute a Performance Lock, annuitize the Contract, we pay a death benefit, or when we deduct Contract fees or expenses. The actual Daily Adjustment
                      calculation is determined by a formula described in Appendix B.
The next table describes the
              fees and expenses that you will pay each year during the time that you own the Contract (not including Variable Option fees and expenses).
Annual Contract Expenses
Administrative Expenses (or contract maintenance charge)
(1)
(per year)
$50
Base Contract Expenses
(2)
(as a percentage of the Charge Base)
1.25%
(1)
Referred to as the "contract maintenance charge" in the Contract and elsewhere in this prospectus. Waived if the Contract Value is at least $100,000. Also waived during the Annuity Phase. See the section 6, Expenses –
                      Contract Maintenance Charge (Administrative Expenses).
(2)
Referred to as the "product fee" in the Contract and elsewhere in this prospectus. See section 6, Expenses – Base Contract Expenses (Product Fee).
The next table shows the
              minimum and maximum total operating expenses charged by the Variable Options that you may pay periodically during the time that you own the Contract. A complete list of Variable Options available under the Contract, including their annual
              expenses, may be found in Appendix G – Variable Options Available Under the Contract.
Annual Variable Option Expenses
Minimum
Maximum
(expenses that are deducted from Variable Option assets, including management fees, distribution and/or service (12b-1) fees, and other
                      expenses)
0.65%
0.71%
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Example
This Example is intended to help you compare the
              cost of investing in the Contract with the cost of investing in other variable annuity contracts. These costs include transaction expenses, annual Contract expenses, and annual Variable Option expenses. These costs do not include any
              financial adviser fees that you pay from your other assets, or that you choose to have us pay from this Contract.
The Example assumes that you invest $100,000 in
              the Contract for the time periods indicated. The Example also assumes that your investment has a 5% return each year. Although your actual costs may be higher or lower, based on these assumptions, your costs would be:
(1)
If you surrender your Contract (take a full withdrawal) at the end of the applicable time period:
1 Year
3 Years
5 Years
10 Years
Maximum Variable Option expense
$9,634
$12,432
$15,034
$22,749
Minimum Variable Option expense
$9,574
$12,250
$14,726
$ 22,119
(2)
If you annuitize your Contract at the end of the applicable time period.
1 Year
3 Years
5 Years
10 Years
Maximum Variable Option expense
N/A*
$ 6,119
$10,520
$22,735
Minimum Variable Option expense
N/A*
$5,936
$10,213
$22,105
*
The earliest available Annuity Date is 13 months after the Issue Date.
(3)
If you do not surrender your Contract.
1 Year
3 Years
5 Years
10 Years
Maximum Variable Option expense
$1,984
$6,132
$10,534
$22,749
Minimum Variable Option expense
$1,924
$5,950
$10,226
$ 22,119
Risk Factors
The Contract involves certain risks that you
              should understand before purchasing. You should carefully consider your income needs and risk tolerance to determine whether the Contract is appropriate for you. The level of risk you bear and your potential investment performance will differ
              depending on the Allocation Options you choose.
Liquidity Risks
We designed the Contract to be a long-term
              investment that you can use to help build and provide income for retirement. The Contract is not suitable for short-term investment.
If you need to take a full or partial
              withdrawal during the withdrawal charge period, or when we deduct any financial adviser fees that you choose to have us pay from this Contract, we deduct a withdrawal charge, including amounts previously withdrawn under the free withdrawal
              privilege unless the withdrawal is a Penalty-Free Withdrawal. While Penalty-Free Withdrawals provide some liquidity, they are permitted in only limited amounts or in special circumstances. If you need to withdraw most or all of your Contract
              Value in a short period, you may exceed the Penalty-Free Withdrawal amounts available to you and incur withdrawal charges. (For more information on the withdrawal charge, see the Fee Tables and section 6, Expenses – Withdrawal Charge.)
We calculate the withdrawal charge as a
              percentage of your Purchase Payments, not Contract Value. Consequently, if the Contract Value has declined since you made a Purchase Payment, it is possible the percentage of Contract Value withdrawn to cover the withdrawal charge would be
              greater than the withdrawal charge percentage. For example, assume you buy the Contract with a single Purchase Payment of $1,000. If your Contract Value in the 5th year is $800 and you take a full withdrawal a 5% withdrawal charge applies.
              The total withdrawal charge would be $50 (5% of $1,000). This results in you receiving $750.
In addition, upon a full withdrawal the free
              withdrawal privilege is not available to you, and we apply a withdrawal charge against Purchase Payments that are still within their withdrawal charge period, including amounts previously withdrawn under the free withdrawal privilege.
On a full withdrawal your Withdrawal Charge Basis may be greater than your
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Contract Value because the following reduce your Contract
              Value, but do not reduce your Withdrawal Charge Basis: deductions we make for Contract fees or expenses; and/or poor performance.
Amounts withdrawn from this Contract may also
              be subject to federal and state income taxes, and a 10% additional federal tax if taken before age 59
1
⁄
2
.
We only apply Performance Credits to the Index
              Options once each Index Year on the Index Anniversary, rather than on a daily basis. In the interim, we calculate Index Option Values based on the Daily Adjustment . Any assets removed from an Index Option during the Index Year for
              withdrawals you take (including Penalty-Free Withdrawals and any financial adviser fees that you choose to have us pay from this Contract), Annuity Payments, or deductions we make for Contract fees and expenses, or if we pay a death benefit,
              will not be eligible to receive a Performance Credit on the Index Anniversary. These removed assets will not receive the full benefit of the Index Value, Index Return, and the 10% or 30% Buffer that would have been available on the Index
              Anniversary, and losses could exceed the protection offered by the 10% or 30% Buffer. You will receive a Performance Credit only on the Index Option Value remaining in an Index Option on the Index Anniversary.
You can transfer Index Option Value to the
              Variable Options only on every sixth Index Anniversary, and you can transfer Index Option Value among the Index Options only on Index Anniversaries. At other times, you can only move assets out of an Index Option by taking a full or partial
              withdrawal, or entering the Annuity Phase. These restrictions may limit your ability to react to changes in market conditions. You should consider whether investing in an Index Option is consistent with your financial needs.
Risks of Investing in Securities
Returns on securities and securities Indexes
              can vary substantially, which may result in investment losses. The historical performance of the available Allocation Options does not guarantee future results. It is impossible to predict whether underlying investment values will fall or
              rise. Trading prices of the securities underlying the Allocation Options are influenced by economic, financial, regulatory, geographic, judicial, political and other complex and interrelated factors. These factors can affect capital markets
              generally and markets on which the underlying securities are traded and these factors can influence the performance of the underlying securities.
If you allocate Purchase Payments or transfer
              Contract Value to an Index Option, your returns depend on the performance of an Index although you are not directly invested in the Index. Because the S&P 500
®
Index, Russell 2000
®
Index, Nasdaq-100
®
Index and EURO STOXX 50
®
are each comprised of a collection of equity securities, in each case the value of the component securities is subject to market risk, or the risk that market
              fluctuations may cause the value of the component securities to go up or down, sometimes rapidly and unpredictably. In addition, the value of equity securities may decline for reasons directly related to the issuers of the securities.
S&P 500
®
Index
. The S&P 500
®
Index is
                comprised of equity securities issued by large-capitalization U.S. companies. In general, large-capitalization companies may be unable to respond quickly to new competitive challenges, and also may not be able to attain the high growth rate
                of successful smaller companies.
Russell 2000
®
Index
. The Russell 2000
®
Index is
                comprised of equity securities of small-capitalization U.S. companies. In general, the securities of small-capitalization companies may be more volatile and may involve more risk than the securities of larger companies.
Nasdaq-100
®
Index
. The Nasdaq-100
®
Index is
                comprised of equity securities of the largest U.S. and non-U.S. companies listed on The Nasdaq Stock Market, including companies across all major industry groups except the financial industry. To the extent that the Nasdaq-100
®
Index is comprised of securities issued by companies in a particular sector, that company's securities may not perform as well as companies in other sectors or
                the market as a whole. Also, any component securities issued by non-U.S. companies (including related depositary receipts) are subject to the risks related to investments in foreign markets (e.g., increased price volatility; changing
                currency exchange rates; and greater political, regulatory, and economic uncertainty).
EURO STOXX 50
®
. EURO STOXX 50
®
is comprised of the equity
                securities of large-capitalization companies in the Eurozone. The securities comprising EURO STOXX 50
®
are subject to the risks related to investments in
                foreign markets (e.g., increased price volatility; changing currency exchange rates; and greater political, regulatory, and economic uncertainty), and are significantly affected by the European markets and actions of the European Union.
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The COVID-19 pandemic has at times led to significant volatility and negative returns in the financial markets. These market conditions have impacted the
                      performance of the Indexes to which the Index Options are linked, as well as securities held by the Variable Options. If these market conditions continue or reoccur, and depending on your individual circumstances (
e.g.
, your selected Allocation Options and the timing of any Purchase Payments, transfers, or withdrawals), you may experience (perhaps significant) negative returns under the Contract. The
                      COVID-19 pandemic has contributed to an uncertain and evolving economic environment. The impact of the COVID-19 pandemic and other interrelated factors (e.g., changes in interest rates, rising inflation, actions of governmental
                      authorities) on the economic environment cannot be predicted with certainty, but they could negatively affect the returns of an Index and the level of Caps, and other product features, and the overall performance of your Contract.
The military invasion of Ukraine initiated by Russia in February 2022 and the resulting response by the United States and other countries have led to economic disruptions, as well as increased volatility and uncertainty in the
                      financial markets. It is not possible to predict the ultimate duration and scope of the conflict, or the future impact on U.S. and global economies and financial markets. The performance of the Indexes to which the Index Options are
                      linked, as well as securities held by the AZL Government Money Market Fund, may be adversely affected. This risk could be higher for Indexes with exposure to European or Russian markets, including EURO STOXX 50
®
. Depending on your individual circumstances (e.g., your selected Index Options and the timing of any Purchase Payments, transfers, or withdrawals), you may
                      experience (perhaps significant) negative returns under the Contract. You should consult with a Financial Professional about how the recent market conditions may impact your future investment decisions related to the Contract, such as
                      purchasing the Contract or making Purchase Payments, transfers, or withdrawals, based on your individual circumstances.
Risk of Negative Returns
The Variable Options do not provide any
              protection against negative returns.
You can lose principal and previous earnings if you allocate Purchase Payments or transfer Contract Value to the Variable Options and such losses
                could be significant.
If you allocate Purchase Payments or transfer
              Contract Value to an Index Option, negative Index Returns may cause Performance Credits to be negative after application of the 10% or 30% Buffer. For the Index Performance Strategy, we apply the Buffer for the entire Term length; we do not
              apply the Buffer annually on a Term Index Option. Ongoing deductions we make for Contract fees and expenses could also cause amounts available for withdrawal to be less than what you invested even if Index performance has been positive.
You can lose principal and previous earnings if you allocate Purchase Payments or transfer Contract Value to the Index Options, and such losses could be significant.
The maximum potential negative Performance Credit is based on the Buffer. If the Buffer is 10% the maximum negative Performance Credit is ‑90%, and if the Buffer is 30% the maximum negative Performance Credit is
                ‑70%.
Such losses will be greater if you take a withdrawal (including any financial adviser fees that you choose to have us pay from this Contract) that is subject to a
                withdrawal charge, or is a deduction of Contract fees and expenses.
If you select an Index Option, we calculate
              Index Option Values on each Business Day during an Index Year (other than the Index Effective Date or an Index Anniversary) by adding the Daily Adjustment. The Daily Adjustment affects the total Contract Value available for withdrawal,
              annuitization, and payment of the death benefit, and it affects how we determine the contract maintenance charge and Charge Base for the product fee. The Daily Adjustment can be less than the Cap even if the year-to-date Index return is
              greater than the Cap. In addition, even though the year-to-date Index return may be positive, the Daily Adjustment may be negative due to changes in Proxy Value inputs, such as volatility, dividend yield, and interest rate. The Daily
              Adjustment is generally negatively affected by:
•
interest rate decreases,
•
dividend rate increases,
•
poor market performance, and
•
increases in the expected volatility of Index prices.
If you take a withdrawal
              from an Index Option before the Index Anniversary,
you could lose principal and previous earnings because of the Daily Adjustment
even if
                Index performance is positive on that day or has been positive since the beginning of the Index Year
. If the current Index return during the Index Year is negative, the Daily Adjustment could
                result in losses greater than the protection provided by the 10% or 30% Buffer. In extreme circumstances the Daily Adjustment could result in a loss beyond the protection of the Buffer, but it cannot result in a total loss of -100%.
Such losses will be greater if the amount withdrawn (including any financial adviser fees that you choose to have us pay from this Contract) is also subject to a withdrawal charge, or is a
                deduction of Contract fees and expenses.
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Risks Associated with
              Calculation of Performance Credits
We calculate Performance Credits each Index
              Year on the Index Anniversary. Because we calculate Index Returns only on a single date in time, you may experience negative or flat performance even though the Index you selected for a given Crediting Method experienced gains through some,
              or most, of the Index Year. If you allocate Purchase Payments or transfer Contract Value to the Index Options the Caps limit positive returns and could cause performance to be lower than it would otherwise have been if you invested in a
              mutual fund designed to track the performance of the applicable Index, or the Variable Options.
The Index Options do not directly participate
              in the returns of the Indexes or the Indexes' component securities, and do not receive any dividends payable on these securities. Index returns would be higher if they included the dividends from the component securities. The past ten years
              of actual average of the annual Index returns without and with dividends would have been as follows:
January 1, 2011 through December 31, 2021
S&P 500
®
Index
Nasdaq-100
®
Index
Russell 2000
®
Index
EURO STOXX 50
®
Returns without dividends
12.15%
20.28%
10.65%
3.22%
Returns with dividends
14.45%
21.66%
12.17%
7.09%
Caps may be adjusted
              annually on the Index Anniversary and may vary significantly from year to year. Changes to Caps may significantly affect the amount of Performance Credit you receive. For more information, see the "Changes to Caps" discussion later in this
              section.
The Crediting Methods only capture Index
              Values on one day each year, so you will bear the risk that the Index Value might be abnormally low on these days.
Risks Associated with Performance Locks
If a Performance Lock is executed:
•
You will no longer participate in Index performance, positive or negative, for the remainder of the Index Year for the locked Index Option. This means that under no circumstances will your Index Option Value increase
                      during the remainder of the Index Year.
•
You will not receive a Performance Credit on any locked Index Option on the next Index Anniversary.
•
We use the Daily Adjustment calculated at the end of the
current
Business Day on the Lock Date to determine your locked Index Option
                      Value. This means you will not be able to determine in advance your locked Index Option Value, and it may be higher or lower than it was at the point in time you requested a manual Performance Lock, or that your Index Option reached
                      its target for an automatic Performance Lock. Through your account on our website you can request a Performance Lock based on upper and/or lower targets you set using Index Option Value returns.
•
If a Performance Lock is executed when your Daily Adjustment has declined, you will lock in any loss. It is possible that you would have realized less of a loss or no loss if the Performance Lock occurred at a later
                      time, or if the Index Option was not locked.
•
We will not provide advice or notify you regarding whether you should exercise a Performance Lock or the optimal time for doing so. We will not warn you if you exercise a Performance Lock at a
                      sub-optimal time. We are not responsible for any losses related to your decision whether or not to exercise a Performance Lock.
Substitution of an Index
There is no guarantee that the Indexes will be
              available during the entire time that you own your Contract. If we substitute a new Index for an existing Index, the performance of the new Index may be different and this may affect your ability to receive positive Performance Credits. We
              may substitute a new Index for an existing Index if:
•
the Index is discontinued,
•
we are unable to use the Index because, for example, changes to an Index make it impractical or expensive to purchase derivative hedging instruments to hedge the Index, or we are not licensed to use the Index, or
•
the method of calculation of the Index Values changes substantially, resulting in significantly different Index Values and performance results. This could occur, for example, if an Index altered the
                      types of securities tracked, or the weighting of different categories of securities.
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If we add or substitute an
              Index, we first seek any required regulatory approval (from each applicable state insurance regulator) and then provide you with written notice. We also provide you with written notice if an Index changes its name. Substitutions of an Index
              may occur during an Index Year. If we substitute an Index during an Index Year we will combine the return of the replaced existing Index from the prior Index Anniversary to the substitution date with the return of the new Index from the
              substitution date to the next Index Anniversary. If we substitute an Index during an Index Year:
•
we do
not
change the Charge Base we use to calculate the product fee, and
•
the Buffers and Caps for the replaced Index will apply to the new Index. We do
not
change the Buffers applicable to
                      your Contract, or the current Caps that we set on the prior Index Anniversary.
Changes to Caps associated
              with the new Index, if any, may occur at the next regularly scheduled Index Anniversary or on later Index Anniversaries. Depending on the constitution of the replaced Index, the volatility of its investments, and our ability to hedge the
              Index's performance, we may determine, in our discretion, to increase or decrease renewal Caps associated with the new Index. However, we would not implement any change to reflect this difference until the next Index Anniversary after the
              substitution. The substitution of an Index during an Index Year may result in an abnormally large change in the Daily Adjustment on the day we substitute the Index.
The selection of a substitution Index is in
              our discretion; however, it is anticipated that any substitute Index will be substantially similar to the Index it is replacing and we will replace any equity Index with a broad-based equity index.
Changes to Caps
You can only transfer Index Option Value to a Variable Option on a sixth Index Anniversary.
We establish initial and
              renewal Caps as indicated under "When Does Allianz Establish the Values Used to Determine Index Credits?" in the Summary of the Index Options section. This section also includes information on the notice we provide you of renewal changes on
              each Index Anniversary.
You should be aware that, generally, Caps could
              change every seven calendar days. However, these rates are guaranteed to be available during the period stated on our website at
allianzlife.com/indexratesny
and
              cannot be superseded until that period ends. If you select the earliest Index Effective Date or an Index Effective Date that is within the guaranteed period applicable to the initial rates in effect on the Issue Date, the initial rates
              available for review on your Issue Date will be the rates on your Index Effective Date. However, if you select an Index Effective Date that is after the date the rate is guaranteed to be available, you are subject to the risk that initial
              Caps may change and be less advantageous to you. Furthermore, if the Index Effective Date is after the end of the free look period, you will be subject to the withdrawal charge, and final product fee and contract maintenance charge if you
              then elect to cancel the Contract after the free look period. You may review future rates at least seven calendar days before their effectiveness at
allianzlife.com/indexratesny
,
              or call (800) 624-0197. You (or your Financial Professional, if authorized) can change your Index Effective Date at any time before it occurs to be an earlier or later date by submitting a request.
On each Index Anniversary you have the option
              of remaining allocated to your current Index Options at the renewal Caps, or transferring to another permitted Allocation Option, subject to the limitations on transfers from an Index Option to a Variable Option. At least seven calendar days
              before each Index Anniversary we publish renewal rates for your review in your account on our website, and on our public website at
allianzlife.com/indexratesny
, or
              call (800) 624-0197. If you do not review renewal change information when it is published, or take no action to transfer to another permitted Allocation Option, you will remain allocated to your current Index Options and will automatically
              become subject to the renewal Caps until the next Index Anniversary.
You risk the possibility that the renewal Caps
              you receive may be less than you would find acceptable. If you do not find the renewal rates acceptable, you must give us transfer instructions no later than the end of the Business Day on the Index Anniversary (or the next Business Day if
              the anniversary is a non-Business Day) or you will be subject to these renewal Caps for the next Index Year. Other than on a sixth Index Anniversary when you can transfer Index Option Value to the Variable Options, when your renewal rates
              change the only options available to you are to transfer Index Option Value between Index Options, or take a full withdrawal (which may be subject to a withdrawal charge).
Initial and renewal Caps may vary
              significantly depending upon a variety of factors, including:
•
market volatility,
•
our hedging strategies and investment performance,
•
the availability of hedging instruments,
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•
the amount of money available to us through Contract fees and expenses to purchase hedging instruments,
•
your Index Effective Date,
•
the level of interest rates,
•
utilization of Contract benefits by Owners, and
•
our profitability goals.
Due to a combination of
              factors, including potential changes in interest rates and other market conditions (e.g. rising inflation), the current economic environment is evolving. The future impact on initial and renewal Caps cannot be predicted with certainty. The
              effect of a change in interest rates or other market conditions may not be direct or immediate. There may be a lag in changes to Caps. Interest rates could increase. In a rising interest rate environment, increases in Caps, if any, may be
              substantially slower than increases in interest rates.
We manage our obligation to provide
              Performance Credits in part by trading call and put options, and other derivatives on the available Indexes. The costs of the call and put options and other derivatives vary based on market conditions, and we may adjust future renewal Caps to
              reflect these cost changes. The primary factor affecting the differences in the initial Caps for newly issued Contracts and renewal rates for existing Contracts is the difference in what we can earn from these investments for newly issued
              Contracts versus what we are earning on the investments that were made, and are being held to maturity, for existing Contracts. In some instances we may need to reduce both initial and renewal Caps, or we may need to substitute an Index. You
              bear the risk that we may reduce Caps, which reduces your opportunity to receive positive Performance Credits.
Investment in Derivative Hedging Instruments
The Index Options are supported by bonds and
              other fixed income securities which are also used to support the Contract guarantees, cash, and derivative hedging instruments used to hedge the movements of the applicable Index.
At Contract issue, we invest a substantial
              majority of the initial Contract Value allocated to the Index Options in fixed income securities, with most of the remainder invested in derivative hedging instruments. The derivative hedging instruments are purchased to track and hedge Index
              movements and support our obligations with regard to the Index Options. The derivative hedging instruments we purchase include put options, call options, futures, swaps, and other derivatives.
The Index Options move assets in the
              unregistered separate account between a book value subaccount and a market value subaccount during the Index Year based on Index performance. We typically transfer assets between the subaccounts if there is a 10% incremental change in
              year-to-date Index performance. For the Index Performance Strategy this starts at a -10% decrease in the market; for the Index Protection NY Strategy, this starts at a -30% decrease in the market. We monitor year-to-date Index performance
              daily and change allocations daily if needed based on this 10% increment. For more information on our unregistered separate account backing the Index Options, see section 12, Other Information – Our Unregistered Separate Account.
We currently limit our purchase of derivative
              hedging instruments to liquid securities. However, like many types of derivative hedging instruments, these securities may be volatile and their price may vary substantially. In addition, because we pay Performance Credits regardless of the
              performance of derivative hedging instruments we purchase, we may incur losses on hedging mismatches or errors in hedging. We may incur additional costs if the costs of our hedging program increase due to market conditions or other factors.
              Our overall experience with hedging securities may affect renewal Caps for existing Contracts.
Risks of Deducting Financial Adviser Fees from
              the Contract
If you have an investment adviser and want to
              pay their financial adviser fees from this Contract, you can instruct us to withdraw the fee from your Contract and pay it to your adviser. The investment adviser requests each fee payment by submitting a letter of instruction that includes
              the fee amount. The deduction of financial adviser fees is in addition to this Contract's fees and expenses, and the deduction is treated the same as any other withdrawal under the Contract. As such, withdrawals to pay financial adviser fees
              may be subject to withdrawal charges, will reduce the Contract Value and Guaranteed Death Benefit Value (perhaps significantly), and may be subject to income taxes (including tax penalties if you are younger than age 59
1
⁄
2
).
Please consult with your Financial
                Professional before requesting us to pay financial adviser fees from this Contract compared to other assets you may have.
Certain Variable Options may also invest in
              derivative securities. For more information on these investments, see the Variable Option prospectuses.
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®
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Table of Contents
Our Financial Strength and
              Claims-Paying Ability
We make Annuity Payments, pay death benefits,
              and apply Performance Credits from our general account. Our general account assets are subject to claims by our creditors, and any payment we make from our general account is subject to our financial strength and claims-paying ability.
The assets in our unregistered separate
              account, Separate Account IANY are also subject to claims by our creditors. You can obtain information on our financial condition by reviewing our financial statements in this prospectus, and are also subject to our financial strength and
              claims paying ability. For more information see section 12, Other Information – Our Unregistered Separate Account.
As a result of the COVID-19 pandemic and interrelated market factors (e.g., market volatility changes in interest rates, rising inflation, actions by
                      governmental authorities), economic uncertainties have arisen which could negatively impact Allianz Life of New York's net income and surplus. The extent to which the COVID-19 pandemic and these other market factors will impact our
                      business, net income, and surplus, as well as our capital and liquidity position, will depend on future developments, which are highly uncertain. For more information see section 13, Information on Allianz Life of New York – Business
                      and Operational Risks Relevant to the Contract.
Regulatory Protections
Allianz Life of New York is not an investment
              company and therefore we are not registered as an investment company under the Investment Company Act of 1940, as amended, and the protections provided by this Act are not applicable to the guarantees we provide. The Separate Account is,
              however, registered as an investment company. Any allocations you make to an Index Option are not part of the Separate Account. Allianz Life of New York is not an investment adviser and so is not subject to the Investment Advisers Act of
              1940, and does not provide investment advice to you in connection with your Contract.
Your Contract is registered in accordance with
              the Securities Act of 1933 and the offering of the Contract must be conducted in accordance with the requirements of this Act. In addition, the offer and sale of the Contract is subject to the provisions of the Securities Exchange Act of
              1934.
The Contract is filed with and approved by New
              York. State insurance laws provide a variety of regulatory protections.
1.
The
              Contract
An annuity is a contract
              between you as the Owner, and an insurance company (in this case Allianz Life of New York), where you make payments to us and we invest that money in the Allocation Options you select. Depending on market conditions, your Contract may gain or
              lose value based on the returns of your selected Allocation Options. When you are ready to take money out, we make payments to you according to your instructions and any restrictions associated with the payment option you select that is
              described in this prospectus. Other than to add benefits that are beneficial to you, we do not make any changes to your Contract without your permission except as may be required by law.
The Contract has an Accumulation Phase and an
            Annuity Phase.
The
Accumulation Phase
is the first phase of your Contract, and it begins on the Issue Date. During the Accumulation Phase, we invest your money in the Allocation Options you select on
              a tax-deferred basis. Tax deferral may not be available for certain non-individually owned contracts. Tax deferral means you are not taxed on any earnings or appreciation on the assets in your Contract until you take money out of your
              Contract. (For more information, see section 11, Taxes.)
During the Accumulation Phase you can take
            withdrawals (subject to any withdrawal charge) and you can make additional Purchase Payments subject to the restrictions set out in section 3, Purchase Requirements.
The Accumulation Phase ends upon the earliest of
            the following.
•
The Business Day before the Annuity Date.
•
The Business Day we process your request for a full withdrawal.
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®
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•
Upon the death of any Owner (or the Annuitant if the Owner is a non-individual), the Business Day we first receive a Valid Claim from any one Beneficiary, unless the surviving spouse/Beneficiary continues the Contract. If
                    there are multiple Beneficiaries, the remaining Contract Value continues to fluctuate with the performance of the Allocation Options until the complete distribution of the death benefit. A
Valid Claim
is the documents we require to be received in Good Order at our Service Center before we pay any death claim.
If you request Annuity Payments, the Accumulation
            Phase of your Contract ends and you enter the
Annuity Phase
. During the Annuity Phase we make regular fixed periodic Annuity Payments based on the life of the Annuitant(s), or life and
            term certain. We send Annuity Payments to the
Payee
(the person or entity who receives Annuity Payments during the Annuity Phase). You can choose when Annuity Payments begin, subject to certain
            restrictions. We base Annuity Payments on your Contract Value and the payout rates for the Annuity Option you select. Your Annuity Payments do not change unless an Annuitant dies. The Annuity Phase ends when we make the last Annuity Payment
            under your selected Annuity Option. For more information, see section 8, The Annuity Phase.
Financial Adviser Fees
If you have a financial
              adviser and want to take a withdrawal from this Contract to pay your financial adviser fee, you can submit a written request to our Service Center by completing our third party money management customer authorization of transfer form and fee
              redemption authorization form. If we approve your request, we withdraw the requested fees and pay them to your Financial Professional or Financial Professional's firm as instructed. The fee redemption authorization is an agreement between
              you, your Financial Professional, and/or the Financial Professional's firm. The agreement authorizes us to deduct financial adviser fees from the Contract and send them to the Financial Professional or the Financial Professional's firm upon
              written request. You can terminate this agreement at any time by providing us written notice. We retain the right to request an updated fee redemption authorization form at any time.
The Financial Professional or Financial
              Professional's Firm requests each fee payment by submitting a letter of instruction that includes the fee amount.
We treat this fee payment as a withdrawal which means a withdrawal charge, federal and
                state income taxes, and a 10% additional federal tax if you are under age 59
1
⁄
2
may apply, and the amount of Contract Value available for withdrawal may be affected by the Daily Adjustment
(which can be negative).
We deduct financial adviser fees (including any withdrawal charge) proportionately from each Allocation Option unless you provide us with alternate instructions. This withdrawal reduces the Contract Value
              and the amount available under the free withdrawal privilege by the dollar amount withdrawn. It may also reduce your Contract's Guaranteed Death Benefit Value proportionately by the percentage of Contract Value withdrawn, which may reduce
              this value
by more than the amount withdrawn and these reductions could be significant.
If this is a Non-Qualified Contract, a withdrawal will be a taxable withdrawal to
              the extent that gain exists within the Contract. Financial adviser fees paid from an IRA Contract will not be treated as a taxable withdrawal as long as the annuity contract is solely liable for the payment of the financial adviser fee. You
              should consult a tax adviser regarding the tax treatment of financial adviser fee payments.
Please consult with your Financial Professional before requesting us to pay financial
                adviser fees from this Contract compared to other assets you may have.
Your financial adviser acts on your behalf,
              not ours. We are not party to any agreement between you and your financial adviser, nor are we responsible for your financial adviser's actions. We do not verify that withdrawals for financial adviser fees align with the terms of your
              agreement with your financial adviser. We do not set your financial adviser fee or receive any part of it. Any withdrawals for financial adviser fees you pay is in addition to this Contract's fees and expenses. We pay sales commissions to the
              selling firms and their Financial Professionals. The maximum commission payable to the selling firms for Contract sales is expected to not exceed 7% of Purchase Payments. Sometimes, we enter into an agreement with a selling firm to pay
              commissions as a combination of a certain amount of the commission at the time of sale and a trail commission which, when totaled, could exceed 7% of Purchase Payments. Financial Professionals and their managers may also be eligible for
              various benefits such as production incentive bonuses, insurance benefits, and non-cash compensation items that we may provide jointly with our principal underwriter, Allianz Life Financial Services, LLC. You should ask your financial adviser
              about compensation they receive for this Contract. Allianz Life of New York is not an investment adviser, and does not provide investment advice in connection with sales of the Contract. We are not a fiduciary to you, and do not make
              recommendations or assess suitability.
You can submit a written request to our Service
            Center on a form satisfactory to us to allow your financial adviser to make Allocation Option transfers and allocation changes on your behalf. However, we reserve the right to review a financial adviser's trading history before allowing him or
            her to make transfers. If, in our sole discretion, we believe the financial
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adviser's trading history indicates excessive trading, we can
            deny your request. If we approve it, your financial adviser is subject to the same trading restrictions that apply to Owners. We can deny or revoke trading authority in our sole discretion.
Financial Adviser Fee
              Deduction Example
These calculations show the effects of
              withdrawing financial adviser fees on the Contract Value and available Guaranteed Death Benefit Value. These withdrawals (including any withdrawal charges) immediately reduce the Contract Value on a dollar for dollar basis, and reduce the
              Traditional Death Benefit's Guaranteed Death Benefit Value by the percentage of Contract Value withdrawn.
The example assumes a withdrawal of $5,000
              once per year on days that are not Index Anniversaries to pay financial adviser fees starting when the Contract Value is $100,000, and the Guaranteed Death Benefit Value under the Traditional Death Benefit is $90,000. The first withdrawal
              assumes that there is no amount remaining under the partial withdrawal privilege for that year, so that withdrawal is subject to an 8.5% withdrawal charge. Subsequent withdrawals are all taken under the partial withdrawal privilege. All
              fractional numbers in these examples have been rounded up to the next whole number. All Contract Value figures reflect the Daily Adjustment.
Financial Adviser Fee
Withdrawal
Contract
Value
Traditional Death Benefit's Guaranteed Death Benefit
Prior to 1
st
years withdrawal
$ 100,000
$ 90,000
$5,000 withdrawal (subject to an
8.5% withdrawal charge)
– [($5,000 ÷ (1 – 8.5%)]
Amount withdrawn
– $5,465
– [($5,465 ÷ 100,000) x 90,000]
= - $4,919
After 1
st
years withdrawal
$ 94,535
$ 85,081
Prior to 2
nd
years withdrawal
$ 97,000
$ 85,081
$5,000 withdrawal (not subject to a
withdrawal charge)
– $5,000
– [($5,000 ÷ 97,000) x 85,081]
= - $4,386
After 2
nd
years withdrawal
$ 92,000
$ 80,695
Prior to 3
rd
years withdrawal
$ 80,0000
$ 80,695
$5,000 withdrawal (not subject to a
withdrawal charge)
– $5,000
– [($5,000 ÷ 80,000) x 80,695]
= - $5,044
After 3
rd
years withdrawal
$ 75,000
$ 75,651
The death benefit is the
              greater of the Contract Value, or the Guaranteed Death Benefit Value, so the death benefit would be:
•
$94,535 Contract Value after the first adviser fee.
•
$92,000 Contract Value after the second adviser fee.
•
$75,651 Guaranteed Death Benefit Value after the third adviser fee.
When the Contract Ends
The Contract ends when:
•
all applicable phases of the Contract (Accumulation Phase and/or Annuity Phase) have ended, and/or
•
if we received a Valid Claim, all applicable death benefit payments have been made.
For example, if you take a full withdrawal of the
            total Contract Value, both the Accumulation Phase and the Contract end even though the Annuity Phase never began and we did not make any death benefit payments.
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2.
Ownership,
              Annuitant, Determining Life, Beneficiary, and Payee
Owner
The Owner designated at Contract issue has all
            the rights under the Contract. The Owner may be an individual, or a non-individual (e.g. a trust, tax-exempt entity, or corporation). Qualified Contracts and non-individually owned Contracts can only have one Owner. A
Qualified Contract
is purchased under a pension or retirement plan that qualifies for special tax treatment under sections of the Code.
Joint Owner
A Non-Qualified Contract can be owned by up to
            two individual Owners
(Joint Owners)
. We generally require the signature of both Joint Owners on any forms that are submitted to our Service Center.
Annuitant
The Annuitant is the individual on whose life we
            base Annuity Payments. Subject to our approval, you designate an Annuitant when you purchase a Contract. For Qualified Contracts, before the Annuity Date the Owner must be the Annuitant unless the Contract is owned by a qualified plan or is
            part of a custodial arrangement. You can change the Annuitant on an individually owned Non-Qualified Contract at any time before the Annuity Date.
You cannot change the Annuitant if the Owner
              is a non-individual
. Subject to our approval, you can add a joint Annuitant on the Annuity Date. For Qualified Contracts, the ability to add a joint Annuitant is subject to any plan requirements associated with the Contract. For
            individually owned Contracts, if the Annuitant who is not an Owner dies before the Annuity Date, the sole Owner (or younger Joint Owner) automatically becomes the new Annuitant, but the Owner can subsequently name another Annuitant.
Designating different persons as Owner(s) and
            Annuitant(s) can have important impacts on whether a death benefit is paid, and on who receives it as indicated below
. For more examples, please see the Appendix A to the Form N-4 SAI.
Use care when
            designating Owners and Annuitants, and consult your Financial Professional if you have questions
.
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Upon the Death of a Sole Owner
Action if the Contract is in the Accumulation Phase
•
We pay a death benefit to the Beneficiary unless the Beneficiary is the surviving spouse and continues the Contract.
•
If the deceased Owner was a Determining Life and the surviving spouse Beneficiary continues the Contract:
–
we increase the Contract Value to equal the Guaranteed Death Benefit Value if greater and available, and the death benefit ends,
–
the surviving spouse becomes the new Owner,
–
the Accumulation Phase continues, and
–
upon the surviving spouse's death, his or her Beneficiary(s) receives the Contract Value.
•
If the deceased Owner was not a Determining Life, the Traditional Death Benefit is not available and the Beneficiary(s) receives the Contract Value.
Action if the Contract is in the Annuity Phase
•
The Beneficiary becomes the Payee. If we are still required to make Annuity Payments under the selected Annuity Option, the Beneficiary also becomes the new Owner.
•
If the deceased was not an Annuitant, Annuity Payments to the Payee continue. No death benefit is payable.
•
If the deceased was the only surviving Annuitant, Annuity Payments end or continue as follows.
–
Annuity Option 1 or 3, payments end.
–
Annuity Option 2 or 4, payments end when the guaranteed period ends.
–
Annuity Option 5, payments end and the Payee may receive a lump sum refund.
–
For more information on Annuity Options, please see section 8.
•
If the deceased was an Annuitant and there is a surviving joint Annuitant, Annuity Payments to the Payee continue during the lifetime of the surviving joint Annuitant. No death benefit is payable.
Determining Life (Lives)
The Determining Life (Lives) are the individuals on whose life we base the Guaranteed Death Benefit Value provided by the Traditional Death Benefit. We establish the Determining Life (Lives) at Contract issue. For an individually owned
                Contract the Determining Life (Lives) are the Owner(s). For a non-individually owned Contract the Determining Life is the Annuitant. After the Issue Date the Determining Life (Lives) only change if:
•
you remove a Joint Owner due to divorce, then we also remove that person as a Determining Life, or
•
you establish a jointly owned Non-Qualified Contract and change ownership to a Trust, then we remove the prior Owner who is not the Annuitant as a Determining Life.
Beneficiary
The Beneficiary is the person(s) or
              entity you designate to receive any death benefit. You can change the Beneficiary or contingent Beneficiary at any time before your death unless you name an irrevocable Beneficiary. If a Beneficiary dies before you, or you and a Beneficiary
              die simultaneously, that Beneficiary's interest in this Contract ends unless your Beneficiary designation specifies otherwise. You and a Beneficiary are deemed to have died simultaneously if it is not established by clear and convincing
              evidence that either you or the Beneficiary survived the other by 120 hours. If there are no surviving Beneficiaries or if there is no named Beneficiary, we pay the death benefit to your estate or the Owner if the Owner is a non-individual.
FOR JOINTLY OWNED CONTRACTS:
The sole primary Beneficiary is the surviving Joint Owner regardless of any
                        other named primary Beneficiaries. If both Joint Owners die simultaneously, we pay the death benefit to the named contingent Beneficiaries or equally to the estate of the Joint Owners if there are no named contingent Beneficiaries.
Payee
The Payee is the person or entity
              who receives Annuity Payments during the Annuity Phase. The Owner receives tax reporting on those payments. Generally we require the Payee to be an Owner. However, you can name a charitable trust, financial institution, qualified plan, or an
              individual specified in a court order as a Payee. For Qualified Contracts owned by a qualified plan, the qualified plan must be the Payee.
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Assignments, Changes of Ownership and Other
            Transfers of Contract Rights
You can assign your rights under this Contract to
            someone else during the Accumulation Phase. An assignment may be absolute or limited, and includes changes of ownership, collateral assignments, or any other transfer of specific Contract rights. After an assignment, you may need the consent of
            the assignee of record to exercise certain Contract rights depending on the type of assignment and the rights assigned.
The Contract cannot be
              assigned without our consent. You must submit your request to assign the Contract in writing to our Service Center  and we must approve it in writing.
Upon receipt of your request in Good Order, we
            record the assignment. We are not responsible for the validity or effect of the assignment. We are not liable for any actions we take or payments we make before we receive your request in Good Order and record it. A request is in "
Good Order
" when it contains all the information we require to process it. Assigning the Contract does not change, revoke or replace the originally named Annuitant or Beneficiary; if you also want to change
            the Annuitant or Beneficiary you must make a separate request.
•
An
                      assignment may be a taxable event
. In addition, there are other restrictions on changing the ownership of a Qualified Contract and Qualified Contracts generally cannot be assigned absolutely or on a limited basis.
You should consult with your tax adviser before assigning this Contract
.
•
An assignment will only change the Determining Life (Lives) if it involves removing a Joint Owner due to divorce, or replacing Joint Owners with a Trust.
3.
Purchasing
              the Contract
Purchase Requirements
To purchase this Contract, on the Issue Date all
            Owners and the Annuitant must be age 80 or younger.
The Purchase Payment requirements for this
            Contract are as follows.
•
The minimum initial Purchase Payment due on the Issue Date is $10,000.
•
You can make additional Purchase Payments of $50 or more during the Accumulation Phase.
•
We do not accept additional Purchase Payments on or after the Annuity Date.
•
The maximum total Purchase Payments we accept is $1 million.
We may, at our sole discretion, waive the minimum
            Purchase Payment requirements.
Once we receive your initial
              Purchase Payment and all necessary information in Good Order at our Service Center, we issue the Contract within two Business Days and allocate your payment to your selected Allocation Options. If the Issue Date is the same as the Index
              Effective Date we apply any part of your initial Purchase Payment you allocate to the Index Options directly to the Index Options. If the Issue Date is not the Index Effective Date, we hold any part of your initial Purchase Payment you
              allocate to the Index Options in the AZL Government Money Market Fund before we transfer it to your selected Index Options. If you do not give us all of the information we need, we contact you or your Financial Professional. If for some
              reason we are unable to complete this process within five Business Days, we either send back your Purchase Payment or get your permission to keep it until we get all of the necessary information. If you make additional Purchase Payments, we
              add this money to your Contract on the Business Day we receive it in Good Order.
If you submit a Purchase Payment and/or
            application to your Financial Professional, we do not begin processing the payment and/or application until we receive it.
We can only decline a Purchase Payment if it
              is less than $50, would cause total Purchase Payments to be more than $1 million, or if we receive it on or after the Annuity Date. If mandated under applicable law, we may be required to reject a Purchase Payment.
Applications Sent Electronically
We accept manually signed applications that are
            in Good Order and are sent by fax, or email, or uploaded to our website. It is important to verify receipt of any faxed application, or to receive a confirmation number when using email or the web. We are not liable for applications that we do
            not receive. A manually signed application sent by fax, email or over the web is considered the same as an application delivered by mail. Our electronic systems (fax, email or website) may not always be available; any electronic system can
            experience outages or slowdowns which may delay application processing.
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Although we have taken precautions to help our system handle
            heavy use, we cannot promise complete reliability. If you experience problems, please submit your written application by mail to our Service Center. We reserve the right to discontinue or modify our electronic application policy at any time and
            for any reason.
Allocation of Purchase Payments and Contract
            Value Transfers
The allocation instructions
              you provide on your application automatically become your Purchase Payment default instructions. (In your Contract, Purchase Payment default instructions are called future allocation instructions.) We use these default instructions for all
              Purchase Payments we receive unless you change them, or give us alternate allocation instructions specific to an individual Purchase Payment.
We only allow Purchase Payments to move
                into the Index Options on the Index Effective Date and on subsequent Index Anniversaries.
As a result, we hold Purchase Payments allocated to the Index Options we receive on days other than the Index Effective Date or an Index
              Anniversary in the AZL Government Money Market Fund until we transfer them to your selected Index Options according to your Purchase Payment default instructions. On the Index Effective Date we rebalance or reallocate your total Contract
              Value among all of your selected Allocation Options according to your Purchase Payment default instructions. For additional Purchase Payments we receive
after
the Index
              Effective Date, this transfer occurs on the next Index Anniversary and does not involve a reallocation of your total Contract Value. We apply any Purchase Payments allocated to the Index Options we receive on the Index Effective Date or on an
              Index Anniversary directly to the Index Options on that day; these Purchase Payments are not held in the AZL Government Money Market Fund.
We only allow Variable Account Value transfers
              into Index Options and Index Option Value transfers between Index Options on Index Anniversaries. We do not allow assets to move into an established Index Option until the Index Anniversary.
You can automatically reallocate your total Contract Value annually by providing us with instructions (see section 4, Optional
                Reallocation Program).
You select the Index Effective Date when you
            purchase your Contract. It can be any Business Day up to and including the first Quarterly Contract Anniversary, but it cannot be the 29th, 30th or 31st of a month.
On your application if you select…
Your Index Effective Date will be either…
the earliest Index Effective Date
• your Issue Date, or
• the first Business Day of the next month if the Issue Date is the 29th, 30th, or 31st of a month
the deferred Index Effective Date
• your first Quarterly Contract Anniversary, or
• the next Business Day if the first Quarterly Contract Anniversary occurs on a non-Business Day, or the first Business Day of the next month if the first Quarterly Contract Anniversary is the 29th, 30th, or 31st of a month
You should be aware that,
              generally, Caps could change every seven calendar days. However, these rates are guaranteed to be available during the period stated on our website at
allianzlife.com/indexratesny
and cannot be superseded until that period ends. If you select the earliest Index Effective Date or an Index Effective Date that is within the guaranteed period applicable to the initial rates in effect on the Issue Date, the initial rates
              available for review on your Issue Date will be the rates on your Index Effective Date. However, if you select an Index Effective Date that is after the date the rate is guaranteed to be available, you are subject to the risk that initial
              Caps may change and be less advantageous to you. Furthermore, if the Index Effective Date is after the end of the free look period, you will be subject to the withdrawal charge, and final product fee and contract maintenance charge if you
              then elect to cancel the Contract after the free look period. You may review future rates at least seven calendar days before their effectiveness at
allianzlife.com/indexratesny
.
              You (or your Financial Professional, if authorized) can change your Index Effective Date at any time before it occurs to be an earlier or later date by submitting a request.
However, your new Index
                Effective Date cannot be later than the deferred Index Effective Date listed above. We must receive your request in Good Order at our Service Center before the end of the Business Day on which you want the Index Effective Date to occur.
                Once your Index Effective Date occurs, all Index Options for your Contract will have the same Index Anniversary.
You can change your Purchase Payment default
              instructions at any time without fee or penalty. These changes are effective on the Business Day we receive them in Good Order at our Service Center. We accept changes to Purchase Payment default instructions from any Owner unless you
              instruct otherwise. We may allow you to authorize someone else to change these default instructions on your behalf.
Changes to your Purchase Payment default instructions do not
                reallocate or transfer existing Index Option Values on the Index Anniversary
.
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We notify you at least 30
              days in advance of each Index Anniversary as a reminder that on the upcoming anniversary you may transfer Variable Account Value to the Index Options, and you may transfer Index Option Value between Index Options. Transfers between Allocation
              Options do not change your Purchase Payment default instructions. For more information, see section 5, Variable Options – Electronic Transfer and Allocation Instructions. On each Index Anniversary, if we have not received transfer
              instructions from you, and you are not participating in the Index Option reallocation program, all assets invested continue to be invested in the Index Options at the renewal Caps.
You cannot transfer Index Option Value to the
            Variable Options except on every sixth Index Anniversary,
at which point you can do so even if the assets you wish to transfer have been in the Index Options for less than six full years
.
            If you request to transfer Index Option Value to the Variable Options on a sixth Index Anniversary this request automatically cancels any prior transfer instructions you gave to us regarding moving Variable Account Value to the Index Options.
            We must receive all Index Option transfer instructions in Good Order at our Service Center before the end of the Business Day on the Index Anniversary (or the next Business Day if the Index Anniversary is a non-Business Day).
You can transfer Variable Account Value among the
            Variable Options on any Business Day, except that any amount held in the AZL Government Money Market Fund that is set to be allocated to an Index Option on the Index Effective Date or an Index Anniversary will not be transferred to the Index
            Option if it is transferred to another Variable Option.
•  In order to apply Purchase Payments
                    we receive
after
the Index Effective Date to your selected Index Option(s) on the next Index Anniversary, we must receive them
before
the end of the Business Day on the Index Anniversary (or before the end of the
prior
Business Day if
                    the anniversary is a non-Business Day).
•  Variable Options are subject to Contract fees and expenses (e.g. product fee), and market risk and assets you allocate to them may lose value,
including any Purchase Payments we
                      hold in the AZL Government Money Market before transferring them to your selected Index Options
.
Automatic Investment Plan (AIP)
The AIP makes additional
              Purchase Payments to the Contract during the Accumulation Phase on a monthly or quarterly basis by electronic money transfer from your savings, checking or brokerage account. You can participate in AIP by completing our AIP form. Our Service
              Center must receive your form in Good Order by the 15th of the month (or the next Business Day if the 15th is a non-Business day) in order for AIP to begin that same month. We process AIP Purchase Payments on the 20th of the month, or the
              next Business Day if the 20th is a non-Business Day. We allocate AIP Purchase Payments according to your Purchase Payment default instructions which must comply with the allocation requirements and restrictions stated in this section. We must
              receive your request to stop or change AIP at our Service Center before the end of the last Business Day immediately before the Business Day we process AIP to make the change that month. If you choose to begin Annuity Payments, AIP ends
              automatically on the last Business Day before the Annuity Date. We reserve the right to discontinue or modify AIP at any time and for any reason.
For Owners of Qualified Contracts, AIP is not available if you have an Inherited IRA Contract, an Inherited Roth IRA Contract, or if your Contract is funding a
                    plan that is tax qualified under Section 401 of the Code.
Free Look/Right to Examine Period
If you change your mind
              about owning the Contract, you can cancel it within ten days after receiving it. We return your Contract Value as of the Business Day we receive your cancellation request in Good Order. This may be more or less than your initial Purchase
              Payment. If your cancellation request occurs after the Index Effective Date, your Contract Value will include the Daily Adjustment for amounts allocated to the Index Options. If you have an IRA Contract, we refund your Purchase Payments less
              withdrawals, or Contract Value, if greater. For IRA Contracts, we reserve the right to allocate your initial Purchase Payment to the AZL Government Money Market Fund until the free look period ends, and then re-allocate your money, less fees
              and expenses, according to your Purchase Payment default instructions. If we exercise this right, the Contract Value we use to determine your refund amount on a cancellation request will not include the Daily Adjustment as the Index Effective
              Date will not yet have occurred. We do not assess a withdrawal charge or deduct any other Contract fees or expenses if you cancel your Contract during the free look period. If you take a withdrawal (including financial adviser fees that you
              choose to have us pay from this Contract) that is subject to a withdrawal charge and then cancel your Contract during the free look period, we will refund any previously deducted withdrawal charge upon cancellation. In the Contract, the free
              look provision is also called the right to examine.
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4.
Valuing
                Your Contract
Your Contract Value is the total of the Variable
            Account Value and all Index Option Values.
Variable Account Value increases when….
Variable Account Value decreases when….
• you add assets to a Variable Option by Purchase Payment or Contract Value transfer, or
• there is positive Variable Option performance
• you take assets out of a Variable Option by withdrawal (including any financial adviser fees that you choose to have us pay from this
                      Contract) or Contract Value transfer,
• there is negative Variable Option performance, or
• we deduct Contract fees and expenses
Contract
fees and
expenses
                      we deduct from the Variable Options include the product fee, contract maintenance charge, withdrawal charge and transfer fee as described in section 6, Expenses. Financial adviser fees that you choose to have us pay from this Contract
                      are described in section 1, The Contract. Variable Options include Purchase Payments we hold in the AZL Government Money Market Fund before transferring them to your selected Index Options.
The Variable Options do not provide any
            protection against loss of principal.
You can lose principal and previous earnings you allocate to the Variable Options. These losses can be significant
.
Index Option Values increase when….
Index Option Values decrease when….
• you add assets to an Index Option by Purchase Payment or Contract Value transfer, or
• you receive a positive Performance Credit or Daily Adjustment
• you take assets out of an Index Option by withdrawal (including any financial adviser fees that you choose to have us pay from this
                      Contract) or Contract Value transfer,
• you receive a negative Performance Credit or Daily Adjustment, or
• we deduct Contract fees and expenses
Contract fees and expenses we deduct from the Index Options include the product fee, contract maintenance charge and withdrawal charge  as
                      described in section 6, Expenses. Financial adviser fees that you choose to have us pay from this Contract are described in section 1, The Contract.
We apply transfers of
              Contract Value and Purchase Payments to the Index Options on the Index Effective Date and Index Anniversaries. We apply Performance Credits to the Index Options on the Index Anniversaries. Contract expenses are deducted at different times
              during the Index Year as stated in section 6, Expenses. We pay financial adviser fees to your Financial Professional or the Financial Professional's firm upon written request as stated in section 1, The Contract. The Daily Adjustment applies
              on any Business Day other than the Index Effective Date or an Index Anniversary.
Performance Credits are subject to the
              applicable Cap or Buffer
. Positive Performance Credits are not guaranteed and Performance Credits can be zero under all the Index Options. Performance Credits can be negative after application of the
                10% or 30% Buffer for any Index Option with the Index Precision Strategy or Index Performance Strategy, or negative down to the -10% Floor for any Index Option with the Index Guard Strategy.
A negative Performance Credit
              means that you can lose principal and previous earnings.
These losses can be significant.
We require that the Contract Value after a
              partial withdrawal must be at least $2,000.*
We reserve the right to treat a partial withdrawal that reduces the Contract Value below this minimum as a full withdrawal.
*
Does not apply to RMD payments under our minimum distribution program.
Determining Variable Account Value
The Separate Account holds the assets you
            allocate to the Variable Options, including Purchase Payments held in the AZL Government Money Market Fund before we transfer them to the Index Options. The Separate Account is divided into subaccounts, each of which invests exclusively in the
            shares of a single Variable Option.
We convert amounts you allocate to a Variable
            Option into subaccount accumulation units. Each subaccount's daily price (accumulation unit value) is based on the Variable Option's price. A Variable Option's price is typically determined at the end of each Business Day,
and any Purchase Payment received at or after the end of the current Business Day receives the next Business Day's price
. A Variable Option's price reflects deduction of its operating expenses.
We calculate your Variable Account Value at the
            end of each Business Day by multiplying each subaccount's accumulation unit value by its number of accumulation units, and adding those results together for all subaccounts.
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On the Issue Date, the number of accumulation
            units in each subaccount is equal to the amount allocated to the subaccount divided by its accumulation unit value. At the end of each Business Day, the number of subaccount accumulation units:
•
increase
when you add assets to a Variable Option by Purchase Payment or Contract Value transfer, and
•
decrease
when assets are removed from a Variable Option by transfer, withdrawals you request (including any financial adviser
                        fees that you choose to have us pay from this Contract), or when we deduct Contract fees and expenses.
We arbitrarily set the initial accumulation unit
            value for each subaccount. At the end of each Business Day, we determine the new accumulation unit value for each subaccount by multiplying the prior Business Day's accumulation unit value by the Variable Option's percentage change in price
            since the prior Business Day. The percentage change in price includes the Variable Option's market performance.
Example
•
We receive at our Service Center an additional Purchase Payment of $3,000 from you before the end of the Business Day.
•
When the New York Stock Exchange closes on that Business Day, we determine that the accumulation unit value is $13.25 for the subaccount of your selected Variable Option.
•
We then divide $3,000 by $13.25 and credit your Contract that night with 226.415094 subaccount accumulation units for your selected Variable Option.
Determining Index Option Values
We calculate an Index Option Value for each Index
            Option at the end of each Business Day. Generally, the Index Option Value is equal to the Index Option Base plus any applicable Daily Adjustment. The Daily Adjustment applies on Business Days other than the Index Effective Date or an Index
            Anniversary. The Daily Adjustment can be positive or negative and is discussed later in this section.
On the Index Effective Date, both the Index
            Option Value and the Index Option Base for each of your selected Index Options are initially equal to the amount of:
•
any Purchase Payment received that day which you allocated to that Index Option, and
•
any Contract Value transferred into that Index Option.
At the end of each subsequent Business Day for
            each selected Index Option, we first either apply:
•
the Daily Adjustment if this is not an Index Anniversary, or
•
a Performance Credit if this is an Index Anniversary.
We calculate Performance Credits as described
            under "Calculating Performance Credits" next in this section and apply them as follows:
•
We multiply each Index Option Base by its Performance Credit and add this amount to its Index Option Base.
•
Then we set each Index Option Value equal to its Index Option Base.
Lastly, we increase and/or
              decrease each Index Option Base and Index Option Value for additional Purchase Payments, transfers, partial withdrawals you take or financial adviser fees that you choose to have us pay from this Contract (including any withdrawal charge),
              and deductions we make for Contract fees and expenses.
•
Additional Purchase Payments received on an Index Anniversary and allocated to this Index Option, and transfers of Variable Account Value or Index Option Value into this Index Option, increase these values by the
                      dollar amount allocated or transferred.
•
Transfers out of this Index Option reduce these values by the dollar amount removed from the Index Option.
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•
Partial withdrawals you take or financial adviser fees that you choose to have us pay from this Contract (including any withdrawal charge), and deductions we make for Contract fees and expenses reduce these values by
                      the dollar amount withdrawn from the Index Option.
–
We deduct partial withdrawals you take or financial adviser fees that you choose to have us pay from this Contract (including any withdrawal charge), and deductions we make for Contract fees and expenses from the Index
                      Options proportionately based on the percentage of Contract Value in each Index Option using values determined at the end of the Business Day before we process the withdrawal or deduct the Contract expense. However, if you
                      specifically direct us to take a partial withdrawal from a specific Index Option we reduce that Index Option Value by the dollar amount you specify (including any withdrawal charge).
–
We then reduce each Index Option Base by the same percentage that the amount withdrawn reduced its associated Index Option Value.
Example
•
Your Contract Value is $100,000 and you selected two Index Options. The first Index Option has an Index Option Value of $75,000 and an Index Option Base of $72,000. The second Index Option has an Index Option Value of
                      $25,000 and an Index Option Base of $22,000. You take a $10,000 partial withdrawal (including any withdrawal charge).
•
This partial withdrawal reduces your Index Option Value by the percentage of Contract Value in each Index Option (Index Option Value ÷ Contract Value).
–
For the first Index Option this percentage is 75% ($75,000 ÷ $100,000) and the $10,000 partial withdrawal reduces this value by $7,500 ($10,000 x 75%). For the second Index Option this percentage is 25% ($25,000 ÷
                      $100,000) and the $10,000 partial withdrawal reduces this value by $2,500 ($10,000 x 25%).
•
We then reduce each Index Option Base by the same percentage that the amount withdrawn reduced its associated Index Option Value (amount withdrawn from Index Option Value ÷ Index Option Value).
–
For the first Index Option this percentage is 10% ($7,500 ÷ $75,000) and the $10,000 partial withdrawal reduces this value by $7,200 ($72,000 x 10%). For the second Index Option this percentage is also 10% ($2,500 ÷
                      $25,000) and the $10,000 partial withdrawal reduces this value by $2,200 ($22,000 x 10%).
•
Deductions we make for Contract fees and expenses also reduce these values proportionately in the same way as a partial withdrawal.
First Index Option
Second Index Option
Index Option Value
Index Option Base
Index Option Value
Index Option Base
Prior to partial withdrawal
$ 75,000
$ 72,000
$ 25,000
$ 22,000
$10,000 partial withdrawal
– $7,500
– $7,200
– $2,500
– $2,200
After partial withdrawal
$ 67,500
$ 64,800
$ 22,500
$ 19,800
•
Amounts removed from the Index Options during the Index Year for partial withdrawals you take (including any financial adviser fees that you choose to have us
                        pay from this Contract) and deductions we make for Contract fees and expenses do not receive a Performance Credit on the next Index Anniversary
. However, the remaining amount in the Index Options is eligible for a
                      Performance Credit on the next Index Anniversary.
•  You cannot specify from which Allocation Option we deduct Contract fees and expenses; we deduct Contract fees and expenses from each Allocation Option proportionately based on the percentage of Contract Value in each Allocation
                      Option. However, you can specify from which Allocation Option we deduct a partial withdrawal and any financial adviser fees that you choose to have us pay from this Contract.
There is no
                        consistent financial advantage to deducting a partial withdrawal from any specific Allocation Option.
Calculating Performance Credits
We base Performance Credits on Index Values and
            Index Returns. We measure Index Values on the Index Effective Date and subsequent Index Anniversaries using the Index's price at the end of the Business Day as provided by Bloomberg or another market source if Bloomberg is not available. If the
            Index Anniversary is a non-Business Day we use the next Business Day's Index price. If you select the EURO STOXX 50
®
, we determine Index Returns without any exchange rate
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adjustment.
Because
              we calculate Index Returns only on Index Anniversaries, the Index Return does not necessarily reflect the highest or lowest Index Values that occurred during an Index Year.
Crediting Method
If Index Value is less than it was on the
prior Index Anniversary*
(i.e., Index Return is negative):
If Index Value is equal to or greater than it was on the prior Index Anniversary*
(i.e., Index Return is zero or positive):
Index Protection NY Strategy
Performance Credit is equal to the negative Index Return in excess of the 30% Buffer. If the Index Return is…
• -12%, the Performance Credit is zero.
• -32%, the Performance Credit is -2%.
Performance Credit is equal to the Index Return subject to the Cap set on the prior Index Anniversary Assume the Cap is 5%. If the Index Return is…
• 0%, the Performance Credit is zero.
• 4%, the Performance Credit is 4%.
• 12%, the Performance Credit is 5%.
Index Performance Strategy
Performance Credit is equal to the negative Index Return in excess of the 10% Buffer. If the Index Return is…
• -8%, the Performance Credit is zero.
• -12%, the Performance Credit is -2%.
Performance Credit is equal to the Index Return up to the Cap set on the prior Index Anniversary Assume the Cap is 8%. If the Index Return is…
• 0%, the Performance Credit is zero.
• 6%, the Performance Credit is 6%.
• 12%, the Performance Credit is 8%.
*  Or the Index Effective Date if this is the first Index Anniversary.
Daily Adjustment
We designed the Daily
              Adjustment to provide an Index Option Value during the Index Year on days other than the Index Effective Date or an Index Anniversary. The Daily Adjustment can affect the amounts available for withdrawal, annuitization, payment of the death
              benefit, and the Contract Value used to determine the Charge Base and contract maintenance charge. It is discussed in the Summary of the Index Options - What is the Daily Adjustment?; and in Risk Factors – Risk of Negative Returns. The Daily
              Adjustment formula is described in Appendix B and in Exhibit 99(a) of the Form S-1 Registration Statement filed with the SEC, of which this prospectus is a part. This information is incorporated by reference into this prospectus. You can
              obtain a copy of Exhibit 99(a) by calling (800) 624-0197, or visiting our website at
allianzlife.com/new-york
.
Performance Locks
We must receive a manual Performance Lock request
            in Good Order before the end of the current Business Day to lock an Index Option on that day. Otherwise the Lock Date will occur on the next Business Day that your request is in Good Order. We do not allow Performance Locks to occur on Index
            Anniversaries. For requests submitted in writing, we do not consider the request to be received until it arrives at our Service Center.
You (or your Financial
              Professional, if authorized) can request an automatic Performance Lock based on targets you set only through your account on our website. When you establish your account you must provide us with an email address. You can set upper and/or
              lower targets for each Index Option each Index Year.
Setting a target close to the current Index Option Value return may cause a Performance Lock to occur very quickly.
You can change or cancel targets at any time before we execute a Performance Lock. Each Index Option's targets automatically expire on the earlier of the Lock Date, or the last Business Day before the Index Anniversary. You can also
              "over-ride" a target by requesting a manual Performance Lock before the target is reached. We determine if a target is reached using the Index Option Value return determined at the end of the prior Business Day using the prior day's Daily
              Adjustment. We then execute the Performance Lock using the Index Option Value return determined at the end of Business Day on the Lock Date.
By setting targets you are authorizing us to
                automatically execute a Performance Lock at the end of the Business Day on the Lock Date upon which the target is reached, unless you cancel the lock.
We will send an email notice once the Daily Adjustment for an Index Option
              reaches a target. To cancel an automatic Performance Lock after a target is reached, we must receive your request in Good Order
before
the end of the Business Day on the Lock Date.
For example, assume the Cap for the Index
            Performance Strategy with the S&P 500
®
Index is 10.25% and you set a target of 9.50%. On a Tuesday, your Index Option Value return (which includes the Daily Adjustment)
            determined at the end of the Business Day is 9.63%. We will send you an email notice and assuming Wednesday is a Business Day, we will execute the Performance Lock on Wednesday (which will be your Lock Date) using the Index Option Value return
            determined at the end of the Business Day. If Wednesday is a non-Business Day, your Lock Date would instead be Thursday (assuming it
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is a Business Day).
Note that the Index Option Value return on the Lock Date could be greater or less than your target of 9.50%, or Tuesday's Index Option Value return of 9.63%.
A Performance Lock can be
              executed once each Index Year for each of these Index Options. A Performance Lock applies to the total Index Option Value in an Index Option, and not just a portion of that Index Option Value. We use the Daily Adjustment calculated at the end
              of the current Business Day on the Lock Date to determine your locked Index Option Value. This "locked" Index Option Value may be more or less than the "unlocked" Index Option Value that is available for your review on the Lock Date because
              the unlocked Index Option Value was determined at the end of the
prior
Business Day. After the Lock Date, the Index Option Value stays in the locked Index Option for the remainder of the
              Term, Daily Adjustments do not apply for the remainder of the Index Year and the locked Index Option Value will not receive a Performance Credit on the next Index Anniversary. For example, assume you selected one Index Option and your Index
              Option Value available for review in your account today is $20,326. If before the end of the Business Day you request a Performance Lock, today is your Lock Date. If your Index Option Value at the end of the Business Day is $20,250, you will
              lock in this $20,250 and it will not change until the next Index Anniversary. However, a locked Index Option Value can decrease if you take a partial withdrawal or when we deduct a Contract fee, expense, or a financial adviser fee that you
              choose to have us pay from this Contract. On the next Index Anniversary that occurs immediately after the Lock Date, all locked Index Options will be unlocked, we will transfer the locked Index Option Value according to your instructions, and
              Daily Adjustments will again apply for the new Index Year. If you do not provide us with transfer instructions, the Index Option Value will remain in the same Index Option.
A Performance Lock can help eliminate doubt
              about future Index performance and possibly limit the impact of a negative Performance Credit you would otherwise receive. The disadvantage of executing a Performance Lock is that the relevant Index Value could increase before the end of the
              Index Year, and you will not participate in that increase. In addition, if you execute a Performance Lock, you may receive less than the full protection of the Buffer that you would have received if you waited for us to apply the Performance
              Credit on the next Index Anniversary.
Optional Reallocation Program
Index Option performance may cause the percentage
            of total Index Option Value in each Index Option to change. Reallocating can help you maintain your selected Index Option allocation percentages. You can direct us to automatically reallocate your Index Option Values on each Index Anniversary
            (or on the next Business Day if the Index Anniversary is a non-Business Day) according to your instructions. We must receive your reallocation instructions in Good Order at our Service Center before the end of the Business Day we reallocate. We
            reserve the right to discontinue or modify the optional reallocation program at any time and for any reason. To end this program, we must receive your request at our Service Center before the end of the last Business Day immediately before the
            Index Anniversary.
5.
Variable
                Options
Information regarding each Variable Option,
              including its (i) name, (ii) investment objectives, (iii) investment adviser and any subadviser, (iv) current expenses, and (v) performance is available in Appendix G – Variable Options Available Under the Contract. Each Variable Option has
              issued a prospectus that contains more detailed information about the Variable Option. You should read the prospectuses for the Variable Options carefully before investing. The Variable Options' prospectuses and other information can be found
              online at
allianzlife.com/new-york/variableoptions
. You can also request this information at no cost by calling (800) 624-0197, by sending an email request to
              contact.us@allianzlife.com, or by contacting your Financial Professional.
There are potential risks associated with this
              Contract's Variable Options and their investment strategies. Depending on market conditions, you can gain or lose value by investing in the Variable Options. In the future, we may add, eliminate or substitute Variable Options to the extent
              permitted by the federal securities laws and, when required, the SEC.
Currently, the Variable Options are not
              publicly available mutual funds. They are available only as Variable Options in variable annuity contracts or variable life insurance policies issued by life insurance companies or in some cases, through participation in certain qualified
              pension or retirement plans. A material conflict of interest may arise between insurance companies, owners of different types of contracts, and retirement plans or their participants. Each Variable Option's Board of Directors monitors for
              material conflicts, and determines what action, if any, should be taken to address any conflicts.
The names, investment objectives and policies
              of certain Variable Options may be similar to the names, investment objectives and policies of other portfolios managed by the same investment advisers. Although the names, objectives and policies may be similar, the Variable Options'
              investment results may be higher or lower than these other portfolios'
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results. The investment advisers cannot guarantee, and make
              no representation, that these similar funds' investment results will be comparable even though the Variable Options have the same names, investment advisers, objectives, and policies.
Each Variable Option offered by the Allianz
              Variable Insurance Products Fund of Funds Trust (Allianz VIP Fund of Funds Trust) is a "fund of funds" and diversifies its assets by investing primarily in shares of several other affiliated mutual funds.
The Variable Options may pay 12b-1 fees to the
              Contracts' distributor, our affiliate, Allianz Life Financial Services, LLC, for distribution and/or administrative services. In addition, we may enter into certain arrangements under which we, or Allianz Life Financial Services, LLC, are
              compensated by the Variable Options' advisers, distributors and/or affiliates for administrative services and benefits we provide to these Variable Options. The compensation amount usually is based on the Variable Options' aggregate assets
              purchased through contracts we issue or administer. Some advisers may pay us more or less than others. The maximum service fee we currently receive from any variable investment option in any variable annuity contract we offer is 0.35%
              annually of the average aggregate amount invested by us in the variable investment options.
The Allianz VIP Fund of Funds Trust underlying
              funds do not pay 12b-1 fees or service fees to the Trust, and the Trust does not charge 12b-1 fees or service fees. The Allianz VIP Fund of Funds Trust underlying funds or their advisers may pay service fees to us and our affiliates for
              providing customer service and other administrative services to you. Service fees may vary depending on the underlying fund.
We offer other variable annuity contracts that
              may invest in these Variable Options. These contracts may have different charges and may offer different benefits more appropriate to your needs. For more information about these contracts, please contact our Service Center.
Allianz Investment Management LLC, the
              Variable Options' investment adviser, is affiliated with us through common ownership.
Substitution of Variable Options and
              Limitation on Further Investments
We may substitute another Variable Option for
              one of your selected Variable Options, for any reason in our sole discretion. To the extent required by the Investment Company Act of 1940 or other applicable law, we do not substitute any shares without SEC approval and providing you notice.
              We may make substitutions with respect to your existing allocations, future Purchase Payment allocations, or both. New or substitute Variable Options may have different fees and expenses, and their availability may be limited to certain
              purchaser classes. We may limit further Variable Option allocations if marketing, tax or investment considerations warrant, or for any reason in our sole discretion. We may also close Variable Options to additional allocations. The fund
              companies that sell Variable Option shares to us, pursuant to participation agreements, may end those agreements and discontinue offering us their shares.
Transfers Between Variable Options
You can transfer Variable Account Value among
              the Variable Options on any Business Day. Transfers may be subject to a transfer fee as stated in section 6, Expenses.
The following applies to any transfer.
•
Your request for a transfer must clearly state the Variable Options involved and how much to transfer.
•
Your right to make transfers is subject to the Excessive Trading and Market Timing policy discussed later in this section.
•
Variable Account Value transfers between Variable Options do not change your Purchase Payment default instructions.
Any amount held in the AZL
              Government Money Market Fund that is set to be allocated to an Index Option on the Index Effective Date or an Index Anniversary will not be transferred to the Index Option if it is transferred to another Variable Option.
We process transfer requests based on prices
              next determined after we receive your request in Good Order at our Service Center. If we do not receive your transfer request
before
the end of the
current
Business Day, even if due to our delay in answering your call or a delay caused by our electronic systems, you receive the
next
Business Day's prices. For jointly owned Contracts, unless
              you require us to obtain signatures from both Joint Owners, we accept transfer instructions from any Joint Owner. We may also allow you to authorize someone else to request transfers on your behalf.
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Electronic Transfer and Allocation Instructions
We use reasonable procedures to confirm that
              electronic transfer request or allocation instructions given to us are genuine. If we do not use such procedures, we may be liable for any losses due to unauthorized or fraudulent instructions. We record telephone instructions and log all
              fax, email and website instructions. We reserve the right to deny any transfer request or allocation instruction change, and to discontinue or modify our electronic instruction privileges at any time for any reason.
Please note that telephone, fax, email and/or
              the website may not always be available. Any electronic system, whether it is ours, yours, your service provider's, or your Financial Professional's, can experience outages or slowdowns for a variety of reasons, which may delay or prevent our
              processing of your transfer request or allocation instruction change. Although we have taken precautions to help our systems handle heavy use, we cannot promise complete reliability. If you are experiencing problems, you should submit your
              instructions in writing to our Service Center.
By authorizing electronic instructions, you
              authorize us to accept and act upon these instructions for your Contract. There are risks associated with electronic communications that do not occur with a written request. Anyone authorizing or making such requests bears those risks. You
              should protect your website password, because the website is available to anyone with your password; we cannot verify that the person providing instructions on the website is you, or is authorized by you.
Excessive Trading and Market Timing
We discourage and do not accommodate frequent
              transfers. We may restrict or modify your right to make transfers to prevent any use that we consider to be part of a market timing program.
Frequent transfers, programmed transfers,
              transfers into and then out of a Variable Option in a short period of time, and transfers of large amounts at one time (collectively referred to as "potentially disruptive trading") may have harmful effects for other Owners, Annuitants and
              Beneficiaries. These risks and harmful effects include the following.
•
Dilution of the interests of long-term investors in a Variable Option, if market timers or others transfer into a Variable Option at prices that are below their true value, or transfer out at prices above their true
                      value.
•
An adverse effect on portfolio management, such as causing a Variable Option to maintain a higher level of cash or causing a Variable Option to liquidate investments prematurely.
•
Increased brokerage and administrative expenses.
We attempt to protect our
              Owners and the Variable Options from potentially disruptive trading through our Excessive Trading and Market Timing policies and procedures. Under these policies and procedures, we may modify your transfer privileges for some or all of the
              Variable Options as follows:
•
Limit transfer frequency (for example, prohibit more than one transfer a week, or more than two a month, etc.).
•
Restrict the transfer method (for example, requiring all transfers be sent by first-class U.S. mail and rescinding electronic transfer privileges).
•
Require a minimum time period between each transfer into or out of the same Variable Option. Our current Excessive Trading and Market Timing policy, which is subject to change without notice, prohibits "round trips"
                      within 14 calendar days. We do not include transfers into and/or out of the AZL Government Money Market Fund when available in your Contract or any automatic transfers made under any of our programs or Contract features. Round trips
                      are transfers into and back out of the same Variable Option, or transfers out of and back into the same Variable Option.
•
Refuse transfer requests made on your behalf by an asset allocation and/or market timing service.
•
Limit the dollar amount of any single Purchase Payment or transfer request to a Variable Option.
•
Prohibit transfers into specific Variable Options.
•
Impose other limitations or restrictions to the extent permitted by federal securities laws.
We also reserve the right to
              reject any specific Purchase Payment allocation or transfer request from any person if in the investment adviser's, subadviser's or our judgment, a Variable Option may be unable to invest effectively in accordance with its investment
              objectives and policies. This could occur, for example, where frequent or rapid trading causes the investment adviser to hold an excess of uninvested cash to meet redemption requests, or to sell investment positions to fund redemptions,
              thereby affecting Variable Option returns. Similarly, rapid or frequent trading may cause a Variable Option to incur excessive transaction fees, which also could affect performance.
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We retain some discretion in
              determining what actions constitute potentially disruptive trading and in determining when and how to impose trading restrictions. Currently, we attempt to
deter
disruptive trading as
              follows. If a transfer(s) is/are identified as potentially disruptive trading, we may (but are not required to) send a warning letter. If the conduct continues and we determine it constitutes disruptive trading, we also impose transfer
              restrictions. Transfer restrictions may include refusing electronic transfers and requiring all transfers be sent by first-class U.S. mail. If the disruptive trading affects only a single Variable Option, we may prohibit transfers into or
              Purchase Payment allocations to that Variable Option. We do not enter into agreements permitting market timing and would not permit activities determined to be disruptive trading to continue. We also reserve the right to impose transfer
              restrictions if we determine, in our sole discretion, that transfers disadvantage other Owners. We notify you in writing if we impose transfer restrictions on you.
We adopted these policies and procedures as a
              preventative measure to protect all Owners from the potential effects of disruptive trading, while also abiding by your legitimate interest in diversifying your investment and making periodic asset re-allocations based on your personal
              situation or overall market conditions. We attempt to protect your interests in making legitimate transfers by providing reasonable and convenient transfer methods that do not harm other Owners.
We may make exceptions when imposing transfer
              restrictions if we determine a transfer is appropriate, although it may technically violate our policies and procedures discussed here. In determining if a transfer is appropriate, we may, but are not required to, take into consideration its
              relative size, whether it was purely a defensive transfer into the AZL Government Money Market Fund, and whether it involved an error or similar event. We may also reinstate electronic transfer privileges after we revoke them, but we do not
              reinstate these privileges if we believe they might be used for future disruptive trading.
We cannot guarantee the following.
•
Our monitoring will be 100% successful in detecting all potentially disruptive trading activity.
•
Revoking electronic transfer privileges will successfully deter all potentially disruptive trading.
In addition, some of the
              Variable Options are available to other insurance companies and we do not know if they adopted policies and procedures to detect and deter potentially disruptive trading, or what their policies and procedures might be. Because we may not be
              completely successful at detecting and preventing market timing activities, and other insurance companies that offer the Variable Options may not have adopted adequate market timing procedures, there is some risk that market timing activity
              may occur and negatively affect other Owners.
We may, without prior notice to any party,
              take whatever action we deem appropriate to comply with any state or federal regulatory requirement. In addition, purchase orders for a Variable Option's shares are subject to acceptance by that Variable Option's manager. We reserve the right
              to reject, without prior notice, any Variable Option transfer request or Purchase Payment if the purchase order is rejected by the investment manager. We have entered into agreements required under SEC Rule 22c-2 (Rule 22c-2 agreements)
              whereby, upon request by an underlying fund or its designee, we must provide information about you and your trading activities to the underlying fund or its designee. Under the terms of the Rule 22c-2 agreements, we are required to: (1)
              provide details concerning every purchase, redemption, transfer, or exchange of Variable Options during a specified period; and (2) restrict your trading activity if the party receiving the information so requests. Under certain Rule 22c-2
              agreements, if we fail to comply with a request to restrict trading activity, the underlying fund or its designee may refuse to accept buy orders from us until we comply.
Variable Options may add or change policies
              designed to restrict market timing activities. For example, Variable Options may impose restrictions on transfers between Variable Options in an affiliated group if the investment adviser to one or more of the Variable Options determines that
              the person requesting the transfer has engaged, or is engaging in, market timing or other abusive trading activities. In addition, a Variable Option may impose a short-term trading fee on purchases and sales within a specified period. You
              should review the Variable Options' prospectuses regarding any applicable transfer restrictions and the imposition of any fee to discourage short-term trading. The imposition of these restrictions would occur as a result of Variable Option
              restrictions and actions taken by the Variable Options' managers.
This Contract is not designed for professional market timing organizations, or other persons using programmed, large, or frequent transfers, and we may restrict
                      excessive or inappropriate transfer activity.
The retention of some level
              of discretion by us may result in disparate treatment among persons engaging in potentially disruptive trading, and it is possible that some persons could experience adverse consequences if others are able to engage in potentially disruptive
              trading practices that have negative effects.
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Voting Privileges
We legally own the Variable Option shares.
              However, when a Variable Option holds a shareholder vote that affects your investment, we ask you to give us voting instructions. We then vote all of our shares, including any we own on our behalf, in proportion to those instructions. Because
              most Owners do not give us instructions and we vote shares proportionally, a small number of Owners may determine a vote's outcome. If we determine we no longer need to get your voting instructions, we will decide how to vote the shares. Only
              Owners have voting privileges. Annuitants, Beneficiaries, Payees and other persons have no voting privileges unless they are also Owners.
We determine your voting interest in a
              Variable Option as follows:
•
You can provide voting instructions based on the dollar value of the Variable Option's shares in your Contract's subaccount. We calculate this value based on the number and value of accumulation units for your Contract
                      on the record date. We count fractional units.
•
You receive proxy materials and a voting instruction form.
6.
Expenses
Contract fees and expenses reduce your investment
            return and are described here in detail. We set the Contract fees and expenses on the Issue Date and they cannot change.
Base Contract Expenses
              (Product Fee)
In your Contract, the base contract expense is
              referred to as the "product fee". The product fee compensates us for providing all your Contract's benefits, including our contractual obligation to make Annuity Payments and certain Contract and distribution expenses. The product fee also
              compensates us for assuming the expense risk that the current fee is less than future Contract administration costs as well as the cost of providing certain features under the Contract. If the product fee covers these costs and risks, any
              excess is profit to us. We anticipate making such a profit.
Base Contract Expenses
(as a percentage of the
Charge Base)
Product Fee
(1)
1.25%
(1)
Upon the death of the Owner, we continue to assess this product fee under death benefit payment Option B, and with optional payments under death benefit payment Option C, as noted in section 10, Death Benefit.
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The product fee is an
              annualized rate that we calculate and accrue on a daily basis as a percentage of the Charge Base and deduct quarterly during the Accumulation Phase as follows.
Issue Date
Non-Quarterly Contract Anniversaries
Quarterly Contract Anniversaries*
• The Charge Base is equal to your initial Purchase Payment. • We begin calculating and accruing the
                      daily product fee,
on the day after the Issue Date.
• First we calculate and accrue the daily product fee, using the Charge Base. If this is a non-Business Day we use the Charge Base from the
                      end of the prior Business Day. • Then if this is a Business Day we increase/decrease the Charge Base as follows.
– If we receive an additional Purchase Payment, we increase the Charge Base by the dollar amount we receive.
– If you take a partial withdrawal or choose to have us pay financial adviser fees from this Contract, or we deduct Contract fees and expenses, we decrease the Charge Base by the percentage of Contract Value withdrawn (including any
                      withdrawal charge). All withdrawals you take reduce the Charge Base, even Penalty-Free Withdrawals.
• First we process all daily transactions and determine your Contract Value. Daily transactions include any gains/losses due to Variable
                      Option performance or application of any Daily Adjustment (or Performance Credit if this is also an Index Anniversary), any additional Purchase Payment, any partial withdrawals you take or financial adviser fees that you choose to
                      have us pay from this Contract (including any withdrawal charge), and deductions we make for Contract fees and expenses
(including deduction of the accrued daily product fee
                        for the prior quarter).
All partial withdrawals you take reduce the Charge Base, even Penalty-Free Withdrawals.
– We deduct the accrued product fee for the prior quarter on a dollar for dollar basis from the Contract Value, and proportionately from each Allocation Option. • Then we set the Charge Base equal to this Contract Value and we
                      calculate and accrue the
next quarter's
daily product fee using the newly set Charge Base.
*  Or the next Business Day if the Quarterly Contract Anniversary is a non-Business Day.
Example:
Contract Value is $125,000; Charge Base is $127,000; a $10,000 partial
                        withdrawal (including any withdrawal charge) would decrease the Charge Base by $10,160. [($10,000 ÷ $125,000) x $127,000]
Any increase/decrease to the Charge Base will increase/decrease the daily product fee we calculate and accrue
on the next day.
Examples of how we calculate the product fee are included in Appendix E.
We do not treat the deduction of the accrued product fee as a withdrawal when computing your Guaranteed Death Benefit Value (see section 10).
Deduction of the final product fee
•
If you take a full withdrawal we deduct the final accrued product fee before processing the withdrawal.
•
If you annuitize the Contract, we deduct the final accrued product fee before calculating Annuity Payments.
•
Upon the death of an Owner (or Annuitant if the Owner is a non-individual), we deduct the final accrued product fee before calculating the death benefit if death benefit payment Option A or Annuity Payments under death
                      benefit payment Option C is selected. For more information on the death benefit payment options see section 10, Death Benefit.
If on a Quarterly Contract Anniversary (or the next Business Day if the Quarterly Contract Anniversary is a non-Business Day) the Contract Value is less than the
                    accrued product fee, we deduct your total remaining Contract Value to cover the accrued product fee and reduce your Contract Value to zero. If the deduction of the accrued product fee reduces your Contract Value to zero and the
                    Traditional Death Benefit has ended, we treat this as a full withdrawal and your Contract ends.
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Contract Maintenance Charge (Administrative Expenses)
Your annual contract maintenance charge is $50.
            This charge is for Contract administration and maintenance expenses. We waive this charge as follows:
•
During the Accumulation Phase, if the total Contract Value for all Allianz Index Advantage
®
New York Contracts you own is at least $100,000 at the
                    end of the last Business Day before the Contract Anniversary, or if the Contract Value for this single Allianz Index Advantage
®
New York Contract is at least
                    $100,000 on the Contract Anniversary. We determine the total Contract Value for all individually owned Allianz Index Advantage
®
New York Contracts by using the
                    Owner's social security number, and for non-individually owned Allianz Index Advantage
®
New York Contracts we use the Annuitant's social security number.
•
During the Annuity Phase.
•
When paying death benefits.
We deduct the contract maintenance charge:
•
on a dollar for dollar basis from the Contract Value on the Contract Anniversary (or the next Business Day if the Contract Anniversary is a non-Business Day), and
•
we deduct it proportionately from each Allocation Option.
If you take a full
              withdrawal from your Contract (other than on a Contract Anniversary), we deduct the full contract maintenance charge. We do not treat the deduction of the contract maintenance charge as a withdrawal when computing your Guaranteed Death
              Benefit Value.
Withdrawal Charge
You can take withdrawals
              during the Accumulation Phase. A withdrawal charge applies if any part of a withdrawal comes from a Purchase Payment that is still within the withdrawal charge period. We assess the withdrawal charge against the Withdrawal Charge Basis, which
              is equal to total Purchase Payments, less any Purchase Payments withdrawn (including any Penalty-Free Withdrawals), and less any applicable withdrawal charge. We do not reduce the Withdrawal Charge Basis for any amounts we deduct to pay other
              Contract fees and expenses.
We do not assess a withdrawal charge on
              Penalty-Free Withdrawals or amounts we deduct to pay Contract expenses, other than the withdrawal charge. However, any amounts used to pay a withdrawal charge are subject to a withdrawal charge.
Amounts withdrawn to pay financial adviser fees are subject to a withdrawal charge if they exceed the free withdrawal privilege, and will reduce the Contract Value and Guaranteed Death Benefit Value
(perhaps significantly)
.
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Calculating a Withdrawal Charge
Example
For purposes of calculating any withdrawal charge, we withdraw Purchase Payments on a "first-in-first-out" (FIFO) basis and we process withdrawal requests as
                      follows.
You make an initial Purchase Payment of $30,000 and make another Purchase Payment in the first month of the second Contract Year of $70,000. In the third
                      month of the third Contract Year, your Contract Value is $110,000 and you request a $52,000 withdrawal. We withdraw money and compute the withdrawal charge as follows.
1.  First we withdraw from Purchase Payments that we have had for six or more complete years, which is your Contract's withdrawal charge period. This
                      withdrawal is not subject to a withdrawal charge and it reduces the Withdrawal Charge Basis dollar for dollar.
1
.  Purchase Payments beyond the withdrawal charge period.
All payments are still within the withdrawal charge period, so this does not apply.
2.  Amounts available as a Penalty-Free Withdrawal. This includes partial withdrawals you take during the Accumulation Phase under the free withdrawal
                      privilege or waiver of withdrawal charge benefit, and RMD payments you take under our minimum distribution program. Penalty-Free Withdrawals are not subject to a withdrawal charge, but they reduce the Withdrawal Charge Basis dollar
                      for dollar, and are withdrawn from Purchase Payments on a FIFO basis.
2
.  Amounts available as a Penalty-Free Withdrawal.
You did
                      not take any other withdrawals this year, so the entire free withdrawal privilege (10% of your total Purchase Payments, or $10,000) is available to you without incurring a withdrawal charge. We also deduct this $10,000 from the first
                      Purchase Payment.
3.  Next, on a FIFO basis, we withdraw from Purchase Payments within your Contract's withdrawal charge period and assess a withdrawal charge. Withdrawing
                      payments on a FIFO basis may help reduce the total withdrawal charge because the charge declines over time. We determine your total withdrawal charge by multiplying each payment by its applicable withdrawal charge percentage and then
                      totaling the charges. These withdrawals reduce the Withdrawal Charge Basis.
The withdrawal charge as a percentage of each Purchase Payment withdrawn is as follows.
3
.  Purchase Payments within the withdrawal charge period on a FIFO basis.
The
                      total amount we withdraw from the first Purchase Payment is $30,000, which is subject to a 6.5% withdrawal charge, and you receive $18,700. We determine this amount as follows:
(
amount withdrawn) x (1 – withdrawal charge) = the amount you receive, or:
$20,000 x 0.935 = $18,700
Next we withdraw from the second Purchase Payment.
So far, you received $28,700 ($10,000 under the free withdrawal privilege and $18,700 from the first Purchase Payment which is now reduced to zero), so we withdraw $23,300 from the second Purchase Payment to equal the $52,000 you
                      requested. The second Purchase Payment is subject to an 8% withdrawal charge. We calculate the total amount withdrawn and its withdrawal charge as follows:
(the amount you receive) ÷ (1 – withdrawal charge) = amount withdrawn, or:
$23,300 ÷ 0.92 = $25,326.
Number of Complete
Years Since
Purchase Payment
Withdrawal Charge
Amount
0
1
2
3
4
5
6 years or more
8.5%
8%
6.5%
5%
3%
1%
0%
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Calculating a Withdrawal Charge
Example
4.  Finally we withdraw any Contract earnings. This withdrawal is not subject to a withdrawal charge and it
                      does not reduce the Withdrawal Charge Basis.
4.
Contract earnings.
We already withdrew your requested amount, so this does not
                      apply.
In total we withdrew $55,326 from your Contract, of which you received $52,000 and paid a withdrawal charge of $3,326. We also reduced the 1st Purchase Payment from $30,000 to $0, and your 2nd Purchase
                        Payment from $70,000 to $44,674 ($70,000 - $25,326).
Upon a full withdrawal, we
              first deduct any final product fee and contract maintenance charge from your Contract Value before we calculate the withdrawal charge. We then deduct any applicable withdrawal charge from the total remaining Contract Value and send you the
              remaining amount. For a partial withdrawal we pay you the amount you requested and deduct this amount and any withdrawal charge from the total Contract Value. We deduct any partial withdrawal (including any withdrawal charge) proportionately
              from each Allocation Option unless you provide us with alternate instructions. If a partial withdrawal occurs on a day that we also deduct the product fee and/or contract maintenance charge, we deduct these fees and expenses before we
              calculate and deduct the partial withdrawal and any withdrawal charge from the Contract Value.
The withdrawal charge compensates us for expenses
            associated with selling the Contract.
Reduction or Elimination of the Withdrawal Charge
We may reduce or eliminate the withdrawal charge
            when the Contract is sold under circumstances that reduce its sales expenses. We will implement this withdrawal charge reduction or elimination in a nondiscriminatory manner. For example, if a large group of individuals purchases Contracts or
            if a prospective purchaser already has a relationship with us. We may choose not to deduct a withdrawal charge under a Contract issued to an officer, director, or employee of Allianz Life of New York or any of its affiliates. Also, we may
            reduce or eliminate the withdrawal charge when a Contract is sold by a Financial Professional appointed with Allianz Life of New York to any members of his or her immediate family and the Financial Professional waives their commission. We must
            pre-approve any withdrawal charge reduction or elimination.
•  Upon a full withdrawal the free
                      withdrawal privilege is not available to you, and we apply a withdrawal charge against Purchase Payments that are still within the withdrawal charge period, including amounts previously withdrawn under the free withdrawal privilege.
On a full withdrawal your Withdrawal Charge Basis may be greater than your Contract Value because the following reduce your Contract Value, but do not reduce
                        your Withdrawal Charge Basis:
–
deductions we make for Contract fees and expenses other than the withdrawal charge, and/or
–
poor performance.
This also means that upon a full withdrawal you may not receive any money.
•  Withdrawals (including any
                      financial adviser fees that you choose to have us pay from this Contract)
may also be subject to
ordinary income taxes, and a 10% additional
                        federal tax if you are under age 59
1
⁄
2
, and the amount of Contract Value available for withdrawal may be affected by the Daily Adjustment
(which can be negative). Please consult
                        with your Financial Professional before requesting us to pay financial adviser fees from this Contract compared to other assets you may have.
•  For tax purposes in most instances, withdrawals from Non-Qualified Contracts are considered to come from earnings first, not Purchase Payments.
Transfer Fee
The first twelve transfers
              between Variable Options every Contract Year are free. After that, we deduct a $25 transfer fee for each additional transfer. We count all transfers made in the same Business Day as one transfer. We do not count transfers between the Variable
              Options and Index Options or reallocation of Index Option Value among the Index Options against the free transfers we allow and these transfers are not subject to a transfer fee. The transfer fee continues to apply under death benefit payment
              Option B, and with optional payments under death benefit payment Option C as noted in section 10, Death Benefit.
We deduct the transfer fee on a dollar for
              dollar basis from the amount of Variable Account Value being transferred before allocating the remaining Variable Account Value to your selected Variable Options. We do not treat the deduction of the transfer fee as a withdrawal when
              computing the Guaranteed Death Benefit Value under the Traditional Death Benefit.
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Daily Adjustment Maximum
              Potential Loss
The Daily Adjustment is how we calculate Index
              Option Values on days other than the Index Effective Date or an Index Anniversary . The Daily Adjustment approximates the Index Option Value that will be available on the Index Anniversary. If before the Index Anniversary you take a full or
              partial withdrawal (including any financial adviser fees that you choose to have us pay from this Contract), execute a Performance Lock, annuitize the Contract, we pay a death benefit, or when we deduct Contract fees and expenses, we
              calculate the Index Option Value by applying the Daily Adjustment. The Daily Adjustment can be positive or negative. Following is the maximum potential loss associated with the Daily Adjustment.
Index Protection NY Strategy and
Index Performance Strategy
Daily Adjustment Maximum Potential Loss
99%
(as a percentage of Index Option Value, applies for distributions from an Index Option before any Index Anniversary)
Premium Tax
Premium tax is based on your state of residence
            at the time you make each Purchase Payment. In states that assess a premium tax, we do not currently deduct it from the Contract, although we reserve the right to do so in the future. Premium tax normally ranges from 0% to 3.5% of the Purchase
            Payment, depending on the state or governmental entity. New York does not currently assess a premium tax.
Income Tax
Currently, we do not deduct any Contract related
            income tax we incur, although we reserve the right to do so in the future.
Variable Option Expenses
Charges deducted from and
              expenses paid out of the assets of the Variable Options are described in the Variable Options' prospectuses.
These expenses reduce the Variable Options'
              performance and, therefore, negatively affect your Contract Value and any payments based on Contract Value.
7.
Access to
              Your Money
Your Contract Value is available under the
            following circumstances:
•
by taking a withdrawal (including financial adviser fees that you choose to have us pay from this Contract; withdrawals under the free withdrawal privilege, systematic withdrawal program, and waiver of withdrawal
                      charge benefit; and for Qualified Contracts only, RMD payments under our minimum distribution program);
•
by taking Annuity Payments; or
•
when we pay a death benefit.
You can take withdrawals during the Accumulation
            Phase. We process withdrawal requests based on values next determined after receipt of the request in Good Order at our Service Center. Values are normally determined at the end of each Business Day. We process any withdrawal request received
            at or after the end of the current Business Day using values determined on the next Business Day.
Any partial withdrawal must be for at least
            $100.* The Contract Value after a partial withdrawal must be at least $2,000.*
We reserve the right to treat a partial withdrawal that reduces the Contract Value below this minimum as a full withdrawal.
*
Does not apply to RMD payments under our minimum distribution program.
We deduct any partial
              withdrawal (including any withdrawal charge) proportionately from each Allocation Option unless you provide us with alternate instructions. The Index Option Value from which a partial withdrawal is deducted during an Index Year will include
              any applicable Daily Adjustment.
When you take a full withdrawal of the
              Contract Value we process your request on the Business Day we receive it in Good Order at our Service Center as follows:
•
total Contract Value including any Daily Adjustment,
•
less any final product fee and contract maintenance charge, and
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•
less any withdrawal charge.
See the Fee Tables and section 6, Expenses for a
            discussion of the Contract fees and expenses.
We pay withdrawals promptly, but in no event
            later than seven days after receipt of your request in Good Order at our Service Center, unless the suspension of payments or transfers provision is in effect (see the discussion later in this section).
•  Withdrawals may be subject to a
                      withdrawal charge, state and federal taxation, and a 10% additional federal tax if you are under age 59
1
⁄
2
, and the amount of Contract Value available for withdrawal may be affected by the Daily Adjustment
(which can be
                        negative)
.
Please consult with your Financial Professional before requesting us to pay financial adviser fees from this Contract compared to other assets you may
                        have.
•
Joint Owners:
We send one check payable to both Joint Owners. For Contracts issued before August 24, 2015, or if the Contract has a number starting with GAZ, we tax report both Joint Owner's
                      based on the age of the older Joint Owner. For Contracts issued on or after August 24, 2015 that have a number starting with AV, we tax report each Joint Owner individually.
Tax
                        reporting each Joint Owner individually can create a discrepancy in taxation if only one Joint Owner is under age 59
1
⁄
2
because that Joint Owner will be subject to the 10% additional federal tax.
•  We may be required to provide information about you or your Contract to government regulators. We may also be required to stop Contract disbursements and thereby refuse any transfer requests, and refuse to pay any withdrawals
                      (including a full withdrawal), or death benefits until we receive instructions from the appropriate regulator. If, pursuant to SEC rules, the AZL Government Money Market Fund suspends payment of redemption proceeds in connection with
                      a fund liquidation, we will delay payment of any transfer, full or partial withdrawal, or death benefit from the AZL Government Money Market Fund subaccount until the fund is liquidated.
Free Withdrawal Privilege
Each Contract Year during
              the Accumulation Phase, you can withdraw up to 10% of your total Purchase Payments without incurring a withdrawal charge (the free withdrawal privilege). Any unused free withdrawal privilege in one Contract Year is not added to the amount
              available to you in the next Contract Year. Withdrawals from Purchase Payments that are outside the six year withdrawal charge period are not subject to a withdrawal charge and do not reduce your free withdrawal privilege. RMD payments you
              take under our minimum distribution program and withdrawals under the waiver of withdrawal charge benefit are not subject to a withdrawal charge, but do reduce your free withdrawal privilege. Amounts we deduct for any financial adviser fees
              that you choose to have us pay from this Contract also reduce your free withdrawal privilege.
Example
Assume your initial Purchase Payment 10 years
              ago was $90,000, and you made a second $100,000 Purchase Payment 3 years ago. You take a RMD payment of $1,500 and withdraw $150,000 when the Contract Value is $275,000. The RMD payment is not subject to a withdrawal charge, but reduces the
              amount available under the free withdrawal privilege to $17,500 (10% x $190,000 total Purchase Payments = $19,000 - $1,500 RMD payment). After the RMD payment, $107,500 is available to you without a withdrawal charge: the initial $90,000
              Purchase Payment that is beyond the 6-year withdrawal charge period, and $17,500 remaining free withdrawal privilege. The remaining $42,500 of your requested withdrawal would be subject to a 6.5% withdrawal charge.
The free withdrawal privilege is not available upon a full withdrawal.
Systematic Withdrawal Program
The systematic withdrawal
              program can provide automatic withdrawal payments to you during the Accumulation Phase. You can request to receive these withdrawal payments monthly, quarterly, semi-annually or annually. However, if your Contract Value is less than $25,000,
              we only make annual payments. The minimum amount you can withdraw under this program is $100 and there is no maximum. During the withdrawal charge period (if applicable), systematic withdrawals in excess of the free withdrawal privilege are
              subject to a withdrawal charge. We make systematic withdrawals on the ninth of the month, or the next Business Day if the ninth is a non-Business Day. We must receive your systematic withdrawal program form instructions in Good Order at our
              Service Center before the end of the Business Day before we process these withdrawals, or your program does not begin until the next month. This program ends at the earlier of your request, or
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when you withdraw your total Contract Value. However, we reserve
            the right to discontinue or modify the systematic withdrawal program at any time and for any reason.
•
Ordinary income taxes and tax penalties may apply to systematic withdrawals.
•
The systematic withdrawal program is not available while you are receiving RMD payments.
Minimum Distribution Program and Required
            Minimum Distribution (RMD) Payments
If you own an IRA or SEP IRA
              Contract, you can participate in the minimum distribution program during the Accumulation Phase. If you have an Inherited IRA Contract or Inherited IRA Roth Contract we generally require you to participate in the minimum distribution program
              when you purchase this Contract. Under this program, we make payments to you designed to meet the applicable minimum distribution requirements imposed by the Code for this Qualified Contract. RMD payments are not subject to a withdrawal
              charge, but they reduce the free withdrawal privilege amount during the Contract Year. We do not consider deductions we make for financial adviser fees that you choose to have us pay from this Contract to be RMD payments. However, Contract
              Value is one of the components we use to calculate RMD payments, so these deductions may reduce your RMD payments. We apply the Daily Adjustment if RMD payments are deducted from the Index Options on days other than an Index Anniversary. We
              can make payments to you on a monthly, quarterly, semi-annually or annually. However, if your Contract Value is less than $25,000, we only make annual payments. You cannot aggregate RMD payments between this Contract and other qualified
              contracts that you own. We make RMD payments on the ninth of the month, or the next Business Day if the ninth is a non-Business Day. We must receive your program form instructions in Good Order at our Service Center before the end of the
              Business Day before we process these payments, or your program does not begin until the next month.
We reserve the right to discontinue or modify
              the minimum distribution program subject to the requirements of law.
•
You
                      should consult a tax adviser before purchasing a Qualified Contract that is subject to RMD payments.
•
The minimum distribution program is not available while you are receiving systematic withdrawals.
Waiver of Withdrawal Charge Benefit
After the first Contract
              Year, if any Owner becomes confined to a nursing home for a period of at least 90 consecutive days and a physician certifies that continued confinement is necessary, you can take withdrawals and we waive the withdrawal charge. We apply the
              Daily Adjustment if withdrawals are deducted from the Index Options on days other than an Index Anniversary. This waiver is not available if any Owner was confined to a nursing home on the Issue Date. We base this benefit on the Annuitant for
              non-individually owned Contracts. We must receive proof of confinement in Good Order for each withdrawal before we waive the withdrawal charge. Withdrawals under this benefit reduce the free withdrawal privilege amount during the Contract
              Year.
Suspension of Payments or Transfers
We may be required to suspend or postpone
            transfers or payments for withdrawals for more than seven days after receipt of your request in Good Order at our Service Center, for any period when:
•
the New York Stock Exchange is closed (other than customary weekend and holiday closings);
•
trading on the New York Stock Exchange is restricted;
•
an emergency (as determined by the SEC) exists as a result of which disposal of the Variable Option shares is not reasonably practicable or we cannot reasonably value the Variable Option shares; or
•
during any other period when the SEC, by order, so permits for the protection of Owners.
8.
The
              Annuity Phase
Prior to annuitization, you
              can take a full withdrawal and receive your total Contract Value (less the withdrawal charge, and final product fee and contract maintenance charge). If you take a full withdrawal on any day other than an Index Anniversary and you have
              Contract Value in the Index Options, we apply the Daily Adjustment to these Index Option Values before we deduct the final Contract fees and expenses.
Annuity Payments offer a guaranteed lifetime
            income stream with certain tax advantages and are designed for Owners who no longer need immediate access to Contract Value to meet their short-term income needs.
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You can apply your Contract Value to regular
            periodic fixed Annuity Payments. The Payee receives the Annuity Payments. You receive tax reporting on the payments, whether or not you are the Payee. We may require proof of the Annuitant(s)' age before we make any life contingent Annuity
            Payment. If you misstate the Annuitant(s)' age or gender, we recalculate the Annuity Payments based on the correct age or gender.
Calculating Your Annuity Payments
We base Annuity Payments upon the following:
•
The Contract Value less the final product fee on the Annuity Date.
•
The age of the Annuitant and any joint Annuitant on the Annuity Date.
•
The gender of the Annuitant and any joint Annuitant where permitted.
•
The Annuity Option you select.
•
Your Contract's interest rate (or current rates, if higher) and mortality table.
If the Annuity Date is not
              an Index Anniversary, Contract Value reflects the Daily Adjustment if you selected an Index Option. We guarantee the dollar amount of Annuity Payments and this amount remains fixed and does not change during the entire annuity payment option
              period that you selected, except as provided under Annuity Option 3.
Annuity Payment Options
You can choose one of the
              Annuity Options described below or any other payment option to which we agree. After Annuity Payments begin, you cannot change the Annuity Option, or transfer or withdraw Contract Value.
Option 1. Life Annuity.
We make Annuity Payments during the life of the Annuitant, and the last payment is the one that is due before the Annuitant's death. If the Annuitant dies shortly after the Annuity Date, the Payee may receive less
              than your investment in the Contract.
Option 2. Life Annuity with Payments Over 5, 10, 15
            or 20 Years Guaranteed.
We make Annuity Payments during the life of the Annuitant, with payments for a minimum guaranteed period that you select.
Option 3. Joint and Last Survivor Annuity.
We make Annuity Payments during the lifetimes of the Annuitant and the joint Annuitant. Upon the death of one Annuitant, Annuity Payments to the Payee continue during the lifetime of the surviving joint Annuitant,
              at a level of 100%, 75% or 50% selected by the Owner when he or she chose this Annuity Payment option. If both Annuitants die shortly after the Annuity Date, the Payee may receive less than your investment in the Contract.
Option 4. Joint and Last Survivor Annuity with
            Payments Over 5, 10, 15 or 20 Years Guaranteed.
We make Annuity Payments during the lifetimes of the Annuitant and the joint Annuitant, with payments for a minimum guaranteed period that you select.
Option 5. Refund Life Annuity.
We make Annuity Payments during the lifetime of the Annuitant, and the last payment is the one that is due before the Annuitant's death. After the Annuitant's death, the Payee may receive a lump sum refund. The
              amount of the refund equals the amount applied to this Annuity Option minus the total paid under this option.
Under Annuity Options 1, 3 and 5, if all
            Annuitants die on or after the Annuity Date and before we send the first Annuity Payment, we will cancel Annuity Payments and upon receipt of a Valid Claim we will pay the Contract Value determined on the Annuity Date to surviving individual
            Owner, or the Beneficiary(s) if there is no surviving Owner. If the Owner is a non-individual, we pay the Owner.
After the Annuitant's death under Annuity Option
            2, or the last surviving joint Annuitant's death under Annuity Option 4, we make Annuity Payments during the remaining guaranteed period in the following order based on who is still alive: the Payee, any surviving original Owner, the last
            surviving Owner's Beneficiaries, or to the last surviving Owner's estate if there are no remaining or named Beneficiaries.
Annuity Payments are usually lower if you select
            an Annuity Option that requires us to make more frequent Annuity Payments or to make payments over a longer period of time. If you choose life contingent Annuity Payments, payout rates for a younger Annuitant are lower than the payout rates for
            an older Annuitant and payout rates for life with a guaranteed period are typically lower than life only payments. Monthly payout rates are lower than annual payout rates, payout rates for a 20-year guaranteed period are less than payout rates
            for a 10-year guaranteed period, and payout rates for a 50-year-old Annuitant are less than payout rates for a 70-year-old Annuitant.
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If you do not choose an Annuity Option before the Annuity Date, we make Annuity Payments to the Payee under Annuity Option 2 with ten years of guaranteed monthly
                    payments.
When Annuity Payments Begin
Annuity Payments begin on
              the Annuity Date. Your scheduled Annuity Date is the first day of the calendar month following the Annuitant's 90th birthday and is stated in your Contract. An earlier Annuity Date or a withdrawal may be required to satisfy minimum required
              distribution rules under certain Qualified Contracts.
You can make an authorized request for a different, earlier or later Annuity Date after the Issue Date, but any such request is
                subject to applicable law and our approval.
An earlier or later Annuity Date may not be available to you depending on the Financial Professional you purchase your Contract through and your state of residence. The earliest
              available Annuity Date is 13 months after the Issue Date.
If on the Annuity Date (which may occur as early as 13 months after the Issue Date,
or as late as age 100) your
                        Contract Value is greater than zero, you must annuitize the Contract. We notify you of your available options in writing 60 days in advance, including the option to extend your Annuity Date if available.
If on your Annuity Date you have not selected an Annuity Option, we make payments under Annuity Option 2 with ten years of guaranteed monthly payments.
Upon
                        annuitization you no longer have Contract Value or a death benefit, and you cannot receive any other periodic withdrawals or payments other than Annuity Payments.
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9.
Benefits
                Available Under the Contract
The following tables summarize information
              about the benefits available under the Contract.
Standard Benefits (No Additional Charge)
Name of Benefit
Purpose
Brief Description of Restrictions/Limitations
Free Withdrawal Privilege
Allows you to withdraw up to 10% of your total Purchase Payments each Contract Year without incurring a withdrawal charge.
• Only available during the Accumulation Phase.
• Not available upon a full withdrawal.
• Unused free withdrawal amounts not available in future years.
• Program withdrawals may be subject to negative Daily Adjustments.
• Program withdrawals may be subject to income taxes, including a 10% additional federal tax if taken before age 59
1
⁄
2
.
Automatic Investment Plan (AIP)
Allows you to make automatic Purchase Payments by electronic money transfer from your savings, checking, or brokerage
                      account.
• Only available during the Accumulation Phase.
• Not available to certain Qualified Contracts.
• Payments must be on a monthly or quarterly basis.
• Subject to applicable Purchase Payment restrictions.
• We reserve the right to discontinue or modify the program.
Optional Reallocation Program
Provides for automatic transfers among the Index Options to help you maintain your selected allocation percentages among
                      these Index Options.
• Only available during the Accumulation Phase.
• We reserve the right to discontinue or modify the program.
Systematic Withdrawal Program
Allows you to take automatic withdrawals from your Contract.
• Only available during the Accumulation Phase.
• Not available while you are participating in minimum distribution program.
• Program withdrawals may be monthly, quarterly, semi-annual or annual, unless you have less than $25,000 in Contract Value, in which case only annual withdrawals are available.
• Program withdrawals count against free withdrawal privilege.
• Program withdrawals may be subject to negative Daily Adjustments.
• Program withdrawals may be subject to withdrawal charges and income taxes, including a 10% additional federal tax if taken before age 59
1
⁄
2
.
• We reserve the right to discontinue or modify the program.
Minimum Distribution Program
Allows you to automatically take withdrawals to satisfy the minimum distribution requirements (RMD)
                      imposed by the Internal Revenue Code.
• Only available during the Accumulation Phase.
• Only available to IRA or SEP IRA Contracts.
• Program withdrawals count against free withdrawal privilege.
• Program withdrawals may be subject to negative Daily Adjustments.
• Program withdrawals may be subject to income taxes.
• Program withdrawals may be monthly, quarterly, semi-annual or annual, unless you have less than $25,000 in Contract Value, in which case only annual payments are available.
• We reserve the right to discontinue or modify the program subject to the requirements of law.
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Standard Benefits (No Additional Charge)
Name of Benefit
Purpose
Brief Description of Restrictions/Limitations
Financial Adviser Fees
If you have a financial adviser and want to pay their financial adviser fees from this Contract, you can instruct us to
                      withdraw the fee from your Contract and pay it to your Financial Professional or Financial Professional's firm as instructed.
• Only available during the Accumulation Phase.
• Financial adviser fees are in addition to the Contract's fees and expenses.
• Deductions for financial adviser fees are treated as withdrawals under the Contract.
• Program withdrawals count against free withdrawal privilege.
• Program withdrawals may be subject to negative Daily Adjustments.
• Program withdrawals may be subject to withdrawal charges and income taxes, including a 10% additional federal tax if taken before age 59
1
⁄
2
.
• We reserve the right to discontinue or modify the program.
Waiver of Withdrawal Charge Benefit
Waives withdrawal charges if you become confined to a nursing home.
• Only available during the Accumulation Phase.
• Confinement must be for at least 90 consecutive days.
• Requires physician certification.
• Not available if any Owner was confined to a nursing home on the Issue Date.
• Program withdrawals count against free withdrawal privilege.
• Program withdrawals may be subject to negative Daily Adjustments.
• Program withdrawals are not subject to withdrawal charges, but may be subject to income taxes, including a 10% additional federal tax if taken before age 59
1
⁄
2
.
• State variations may apply.
Traditional Death Benefit
Provides a death benefit equal to the greater of the Contract Value, or Guaranteed Death Benefit Value.
                      The Guaranteed Death Benefit Value is total Purchase Payments adjusted for withdrawals.
An example of the death benefit provided by the Traditional Death Benefit is included in section 10, Death Benefit.
An example of the impact of withdrawals for financial adviser fees that you choose to have us pay from this Contract on the death benefit is included in section 1.
• Benefit only available during the Accumulation Phase.
• Withdrawals, including any negative Daily Adjustments, may significantly reduce the benefit as indicated in section 1, Financial Adviser Fee Deduction Example.
• Restrictions on Purchase Payments may limit the benefit.
• Annuitizing the Contract will end the benefit.
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Standard Benefits (No Additional Charge)
Name of Benefit
Purpose
Brief Description of Restrictions/Limitations
Performance Lock
Allows you to capture the current Index Option Value during the Index Year for an Index Option. Can help
                      eliminate doubt about future Index performance and possibly limit the impact of negative performance.
A Performance Lock example is included in section 4, Valuing Your Contract — Performance Locks.
• Available during the Accumulation Phase.
• Not available with the Index Protection Strategy Index Options.
• May be exercised before the next Index Anniversary for an Index Option.
• If exercised, will no longer participate in Index performance (positive or negative) for the remainder of the Index Year, and will not receive a Credit on the next Index Anniversary.
• You will not know your locked Index Option Value in advance.
• The locked Index Option Value will reflect a Daily Adjustment.
• If executed when Daily Adjustment has declined, will lock in any loss.
• Can be executed only once each Index Year for each Index Option.
• Cannot be exercised for only a portion of the Index Option Value.
• Deductions (e.g. withdrawals, fees) decrease the locked Index Option Value.
• Cannot transfer locked Index Option Value until the next Index Anniversary.
• We will not provide advice or notify you regarding whether you should exercise or the optimal time for doing so.
• We will not warn you if you exercise at a sub-optimal time.
10.
Death
                Benefit
"You" in this section refers to the Owner, or the
            Annuitant if the Contract is owned by a non-individual.
The Contract provides the
              Traditional Death Benefit for no additional charge. The death benefit is the greater of the Contract Value, or Guaranteed Death Benefit Value. The Traditional Death Benefit's Guaranteed Death Benefit Value is total Purchase Payments reduced
              proportionately for withdrawals you take (including any withdrawal charge).
The death benefit is only available during the
            Accumulation Phase.
If you or the Determining Life (Lives) die during the Accumulation Phase, we process the death benefit using prices determined after we receive the required information, which is either a
              Valid Claim or due proof of death as stated here. (For information on due proof of death see the Glossary – Valid Claim). If we receive this information at or after the end of the current Business Day, we use the next Business Day's prices.
If there are multiple Beneficiaries, each
            Beneficiary receives the portion of the death benefit he or she is entitled to when we receive his or her Valid Claim. If a Beneficiary dies before you or the Designated Life, that Beneficiary's interest in this Contract ends unless your
            Beneficiary designation specifies otherwise. If there are no remaining Beneficiaries, or no named Beneficiaries, we pay the death benefit to your estate, or if the Owner is a non-individual, to the Owner. Unless you instruct us to pay
            Beneficiaries a specific percentage of the death benefit, each Beneficiary receives an equal share.
Each Beneficiary's portion
              of the death benefit remains in the Allocation Options based on the allocation instructions that were in effect on the date of death until we receive his or her Valid Claim and we either pay the claim or the Beneficiary provides alternate
              allocation instructions. If there is Variable Account Value in the AZL Government Money Market Fund awaiting transfer to the Index Options on the date of death, it remains there until the earlier of the next Index Anniversary, or the date we
              receive a Valid Claim. If an Index Anniversary occurs before we receive a Valid Claim, we will transfer that Beneficiary's portion of the Variable Account Value destined for the Index Options based on the Purchase Payment default instructions
              that were in effect on the date of death.
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From the time we determine the death benefit
            until we make a complete distribution, any amount in the Allocation Options continues to be subject to investment risk that is borne by the recipient(s). Once we receive notification of death, we may no longer accept or process transfer
            requests. After we receive the first Valid Claim from any Beneficiary we also will not accept additional Purchase Payments or allow any partial or full withdrawals unless the withdrawal is required to comply with federal tax law.
On the first death of a
              Determining Life during the Accumulation Phase, if the Traditional Death Benefit is in effect your Beneficiary(s) will receive the greater of the Contract Value or Guaranteed Death Benefit Value. The Guaranteed Death Benefit Value is total
              Purchase Payments reduced proportionately for withdrawals you take (including any withdrawal charge). For example, assume total Purchase Payments are $90,000, you take no withdrawals, and the current Contract Value is $100,000. The death
              benefit for the Traditional Death Benefit is the $100,000 Contract Value.
If the date we are determining the death
              benefit is not an Index Anniversary, the Contract Value reflects the Daily Adjustment. Withdrawals you take reduce your Guaranteed Death Benefit Value by the percentage of Contract Value withdrawn (including any withdrawal charge), determined
              at the end of each Business Day.
All withdrawals you take reduce the Guaranteed Death Benefit Value and Contract Value, even Penalty-Free Withdrawals, and financial adviser fees that
                you choose to have us pay from this Contract.
However, we do not reduce the Guaranteed Death Benefit Value for deductions we make for Contract fees and expenses.
Deductions for Contract fees and expenses will, however, decrease the Contract Value by the dollar amount withdrawn. In addition,
                because the death benefit is based on the greater of Contract Value or the Guaranteed Death Benefit Value, deductions we make for Contract fees and expenses may reduce the death benefit available to your Beneficiaries.
Examples of the impact of withdrawals for
              financial adviser fees that you choose to have us pay from this Contract on the death benefit are included in section 1.
What Happens Upon Death?
If you are the Determining
              Life, or if you and the Determining Life (Lives) are different individuals and die simultaneously as described in the discussion of Beneficiaries in section 2, Ownership, Annuitants, Determining Life, Beneficiaries and Payees, we determine
              the Traditional Death Benefit at the end of the Business Day we receive a Valid Claim. For multiple Beneficiaries, each surviving Beneficiary receives the greater of their portion of the:
•
Guaranteed Death Benefit Value determined at the end of the Business Day we receive the first Valid Claim from any one Beneficiary, or
•
Contract Value determined at the end of the Business Day during which we receive his or her Valid Claim.
If you and the Determining Life (Lives) are
            different individuals and do not die simultaneously, the death benefit is as follows.
This can only occur if you change the Owner after the Issue Date.
•
If a Determining Life dies before you, we do not pay a death benefit to the Beneficiary(s) but we may increase the Contract Value if the Traditional Death Benefit is still in effect
.
                        At the end of the Business Day we receive due proof of a Determining Life's death we increase the Contract Value to equal the Guaranteed Death Benefit Value if greater,
and the
                        Traditional Death Benefit ends
. We allocate any Contract Value increase to the Allocation Options according to your Purchase Payment default instructions.
•
Upon your death your Beneficiary(s) receive the Contract Value determined at the end of the Business Day during which we receive each Beneficiary's Valid Claim.
The Traditional Death Benefit ends upon the
            earliest of the following.
•
The Business Day before the Annuity Date.
•
The Business Day that the Guaranteed Death Benefit Value and Contract Value are both zero.
•
Upon the death of a Determining Life, the end of the Business Day we receive a Valid Claim from all Beneficiaries if you and the Determining Life are the same individuals, or if you and the Determining Life (Lives) are
                    different individuals and die simultaneously.
•
Upon the death of a Determining Life, the end of the Business Day we receive due proof of the Determining Life's death if you and the Determining Life (Lives) are different individuals and do not die simultaneously.
•
Upon the death of an Owner (or Annuitant if the Owner is a non-individual), the end of the Business Day we receive the first Valid Claim from any one Beneficiary, if the Owner (or Annuitant) is no longer a Determining
                    Life.
•
The Business Day the Contract ends.
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We base the Traditional Death Benefit on the first death of a Determining Life (or Lives). This means that upon the death of an Owner (or Annuitant if the Owner is
                    a non-individual),
if a surviving spouse continues
the Contract the Traditional Death Benefit is no longer available
.
Also, if you and the Determining Life (Lives) are different individuals and you die first, the Traditional Death Benefit is not available to your Beneficiary(s).
Death of the Owner and/or Annuitant
The Appendix A to the Form N-4 SAI includes
            tables that are intended to help you better understand what happens upon the death of any Owner and/or Annuitant under the different portions of the Contract.
Death Benefit Payment Options During the
            Accumulation Phase
•
For Contracts without the Index Protection NY Strategy:
If you do not designate a death benefit payment option, a Beneficiary must select one of the options listed below. If no death
                      benefit payment option is selected, we default payment to Option B.
•
For Contract with the Index Protection NY Strategy:
Each Beneficiary must select one of the death benefit payment options listed below.
If a Beneficiary requests a lump sum payment
            under Option A, we pay that Beneficiary within seven days of receipt of his or her Valid Claim, unless the suspension of payments or transfers provision is in effect. Payment of the death benefit may be delayed, pending receipt of any state
            forms.
Spousal Continuation:
If the Beneficiary is the deceased Owner's spouse, he or she can choose to continue the Contract with the portion of the death benefit the spouse is entitled to in his or her own name. For an IRA, Roth IRA, or SEP
              IRA Contract, spousal continuation can only occur if the surviving spouse is the Contract's sole primary Beneficiary. For non-individually owned Contracts, spousal continuation is only available to Qualified Contracts through a direct
              rollover to an IRA.
Spouses must qualify as such under federal law to continue the Contract.
Individuals who have entered into a registered domestic partnership, civil union, or other similar
              relationship that is not considered to be a marriage under state law are also not considered to be married under federal law. An election by the spouse to continue the Contract must be made on the death claim form before we pay the death
              benefit. If the deceased Owner was a Determining Life and the surviving spouse Beneficiary continues the Contract, at the end of the Business Day we receive his or her Valid Claim we increase the Contract Value to equal the Guaranteed Death
              Benefit Value if greater and available, and the Traditional Death Benefit ends. We allocate any Contract Value increase to the Allocation Options according to Purchase Payment default instructions. If the surviving spouse continues the
              Contract:
•
he or she becomes the new Owner and may exercise all of the Owner's rights, including naming a new Beneficiary or Beneficiaries;
•
he or she is subject to any remaining withdrawal charge; and
•
upon the surviving spouse's death their Beneficiary(s) receive the Contract Value determined at the end of the Business Day during which we receive a Valid Claim from each Beneficiary.
Death Benefit Payment Options
The following applies to
              Non-Qualified Contracts. Different rules may apply to Qualified Contracts. For more information, please see section 11, Taxes – Distributions Upon the Owner's Death (or Annuitant's Death if the Owner is a Non-Individual).
Option A:
Lump
              sum payment of the death benefit.
Option B:
Payment
              of the entire death benefit within five years of the date of any Owner's death. The Beneficiary can continue to make transfers between Allocation Options and is subject to a transfer fee and the product fee.
Option C:
If the
              Beneficiary is an individual, payment of the death benefit as Annuity Payments under Annuity Options 1, 2, or 5. With our written consent other options may be available for payment over a period not extending beyond the Beneficiary's life
              expectancy under which the Beneficiary can continue to make transfers between Allocation Options and is subject to a transfer fee and the product fee.
Distribution from Non-Qualified Contracts must
            begin within one year of the date of the Owner's death. Any portion of the death benefit from Non-Qualified Contracts not applied to Annuity Payments within one year of the date of the Owner's death must be distributed within five years of the
            date of death.
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If a Non-Qualified Contract is owned by a
            non-individual, then we treat the death of an Annuitant as the death of an Owner for purposes of the Code's distribution at death rules, which are set forth in Section 72(s) of the Code.
In all events, notwithstanding any provision to
            the contrary in the Contract or this prospectus, a Non-Qualified Contract is interpreted and administered in accordance with Section 72(s) of the Code.
11.
Taxes
This section provides a summary explanation of
              the tax ramifications of purchasing a Contract.
We do not provide individual tax advice. You should contact your tax adviser to discuss this Contract's effects on your personal tax situation.
Annuity Contracts in General
Annuity contracts are a means of setting aside
              money for future needs – usually retirement. Congress recognized the importance of saving for retirement and provided special rules in the Code for annuities.
There are different rules regarding how you
              will be taxed, depending upon how you take the money out and whether the annuity is Qualified or Non-Qualified. Generally any taxable distribution is subject to federal income tax and any applicable state income tax at ordinary income tax
              rates (instead of capital gains rates).
You can purchase either a Qualified Contract
              or a Non-Qualified Contract. If you do not purchase one of the various types of Qualified Contracts described in this section, the Contract is referred to as a Non-Qualified Contract.
This prospectus does not address specific
              state tax laws. You should discuss state taxation with your tax adviser.
Qualified Contracts
If you purchase the Contract as an IRA, Roth
              IRA, SEP IRA, or to fund a qualified retirement plan, the Contract is referred to as a Qualified Contract. Qualified Contracts are subject to certain restrictions under the Code, including restrictions on the amount of annual contributions,
              restrictions on how much you can earn and still be able to contribute to a Qualified Contract, and specialized restrictions on withdrawals. Qualified Contracts must be purchased from earned income from the relevant year or years, or from a
              rollover or transfer from a qualified contract. An IRA to IRA indirect rollover can occur only once in any twelve-month period from all of the IRAs you currently own. Adverse tax consequences may result if contributions, distributions, and
              transactions in connection with the Qualified Contract do not comply with the law.
A Qualified Contract funded by an annuity does
              not provide any additional tax deferral. However, the Contract has features and benefits other than tax deferral that may make it appropriate for an IRA or qualified retirement plan. You should consult your tax adviser regarding these
              features and benefits before purchasing a Qualified Contract.
We may issue the following types of Qualified
              Contracts to an individual. Purchasers of a Contract for use with IRAs have the right to revoke their purchase within seven days of the earliest of the establishment of the IRA, or their purchase.
•
IRA (Traditional IRA).
Section 408 of the Code permits eligible individuals to fund IRAs. IRA contributions are limited each year to the lesser of a dollar amount
              specified in the Code or 100% of the amount of earned income included in the Owner's income. Contributions may be tax deductible based on the Owner's income. Contributions must be made in cash. The limit on the amount contributed to an IRA
              does not apply to distributions from certain other types of IRAs or qualified retirement plans that are transferred or rolled over on a tax-deferred basis into an IRA.
•
Roth IRA.
Section 408A of the Code permits certain eligible individuals to contribute to a Roth IRA. Contributions to a Roth IRA are limited each year to the lesser
              of a dollar amount specified in the Code or 100% of the amount of earned income included in the Owner's income. Contributions are also limited or prohibited if the Owner's income is above certain limits. Contributions must be made in cash.
              The limit on the amount contributed to a Roth IRA does not apply to distributions from certain other types of IRAs or qualified retirement plans that are transferred or rolled over (conversion) into a Roth IRA.
Conversions to a Roth IRA from an IRA or other eligible qualified retirement plan are permitted regardless of an individual's income. A conversion to a Roth IRA results in a taxable event, but not a 10% additional federal tax for early
              withdrawal if certain qualifications are met (please consult your tax adviser for more details).
•
Simplified Employee Pension (SEP) IRA
. Employers may establish SEP IRAs under Code Section 408(k) to provide IRA contributions on behalf of their employees. In
              addition to all of the general rules governing IRAs, such plans are subject to additional requirements and different contribution limits.
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•
Inherited IRA.
The Code permits beneficiaries of investments that were issued under qualified retirement plans or IRAs to directly
                        transfer the death benefit from that investment into a variable annuity contract (Inherited IRA or Inherited Roth IRA Contract). If you purchase this Contract as a transfer from another carrier, you will become the Owner of the new
                        Inherited IRA Contract or Inherited Roth IRA Contract. The ownership of this Contract will also reflect the name of the deceased previous owner. Once an Inherited IRA or Inherited Roth IRA Contract is established, no further
                        Purchase Payments can be made. We may choose not to allow this Contact to be purchased as an Inherited IRA or Inherited Roth IRA.
We may issue the following type of Qualified Contract to a qualified retirement plan.
•
Qualified Retirement Plans: Pension and Profit-Sharing Plans.
A qualified plan is a retirement or pension plan that meets the requirements for tax qualification
              under the Code. Sections 401(a) and 401(k) of the Code permit employers, including self-employed individuals, to establish various types of retirement plans for employees. These retirement plans may permit the purchase of the Contracts to
              provide benefits under the plan. Contributions to the plan for the benefit of employees are not included in the gross income of the employee until distributed from the plan. The tax consequences to participants may vary, depending upon the
              particular plan design. Participant loans are not allowed under the Contracts purchased in connection with these plans.
If the Contract is
              purchased for a qualified plan under Section 401 of the Code, the plan is both the Owner and the Beneficiary. The authorized signatory, plan administrator, or plan trustee for the plan must make representations to us that the plan is
              qualified under the Code on the Issue Date and is intended to continue to be qualified for the entire Accumulation Phase of the Contract, or as long as the qualified plan owns the Contract. The qualified plan may designate a third party
              administrator to act on its behalf. All tax reporting is the responsibility of the plan. In the event the qualified plan instructs us to roll the plan assets into an IRA for the Annuitant under this Contract, we change the qualification type
              of the Contract to an IRA and make the Annuitant the Owner. The qualified plan is responsible for any reporting required for the rollover transactions out of the plan. We are responsible for any reporting required for the Contract as an IRA.
Purchasers of Contracts for use with pension or profit-sharing plans should obtain competent tax advice as to the tax treatment and suitability of a holding an annuity within a plan.  Because of the minimum Purchase Payment requirements,
              these Contracts may not be appropriate for some retirement plans that are funded on a periodic basis. Owners, Annuitants and Beneficiaries are cautioned that benefits under a Qualified Contract may be subject to the terms and conditions of
              the plan regardless of the terms and conditions of the Contracts issued pursuant to the plan. Some retirement plans are subject to distribution and other requirements that are not incorporated into our administrative procedures. We are not
              bound by the terms and conditions of such plans to the extent such terms conflict with the terms of a Contract, unless we specifically consent to be bound. Owners, participants, and Beneficiaries are responsible for determining that
              contributions, distributions and other transactions with respect to the Contracts comply with applicable law. We may choose not to allow pension or profit-sharing plans to purchase this Contract.
Summary of Individuals and Entities That Can
              Own a Qualified Contract
Currently, we offer the following types of
            Qualified Contracts.
Type of Contract
Persons and Entities that can own the Contract
IRA
Must have the same individual as Owner and Annuitant.
Roth IRA
Must have the same individual as Owner and Annuitant.
Simplified Employee Pension (SEP) IRA
Must have the same individual as Owner and Annuitant.
Certain Code Section 401 Plans
A qualified retirement plan is the Owner and the Annuitant must be an individual who is a participant in the plan. If the qualified retirement plan is a
                      defined benefit plan, the individual must be the only participant in the plan.
We may determine which types of qualified retirement plans are eligible to purchase this Contract.
Inherited IRA and Inherited Roth IRA
Must have the same individual as Owner and Annuitant. The deceased owner of the previously held tax-qualified arrangement will also be listed
                      in the titling of the Contract.
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Non-Qualified Contracts
You can instead purchase a Non-Qualified
            Contract, which is not qualified pursuant to a specialized provision of the Code. There are no Code restrictions on annual contributions to a Non-Qualified Contract or how much you can earn and still contribute to a Contract.
Non-Qualified Contracts Owned by Non-Individuals
When a Non-Qualified Contract is owned by a
              non-individual (other than a trust holding the Contract as an agent for an individual), the Contract is not generally treated as an annuity for tax purposes. This means that the Contract may not receive the benefits of tax deferral and any
              Contract earnings may be taxable every year.
Taxation of Withdrawals
Section 72 of the Code governs taxation of
              annuities in general. An Owner is generally not taxed on increases in the value of a Contract until a distribution occurs, either in the form of withdrawals or as Annuity Payments.
For a full withdrawal (total redemption), a
              partial withdrawal, or a death benefit, the recipient is taxed on the portion of the payment that exceeds your investment in the Contract (often referred to as cost basis). For Non-Qualified Contracts, this cost basis is generally the
              Purchase Payments, while for Qualified Contracts there is generally no cost basis, which means the withdrawal is fully taxable, except for qualified distributions from Roth IRAs and IRAs where you have separately tracked and reported any
              after-tax contributions that you have made.
For Non-Qualified Contracts, the taxable
              portion of a partial withdrawal is the portion of the payment considered to be gain in the Contract (for example, the difference, if any, between the Contract Value immediately before the withdrawal, unreduced by any withdrawal charges, and
              the Contract's cost basis). The withdrawals are generally taxed as though you were paid taxable earnings first, and then as a non-taxable return of Purchase Payments.
Distributions from a Roth IRA generally are
              not subject to income tax if the Roth IRA has been held for five years (starting with the year in which the first contribution is made to any Roth IRA) and the Owner satisfies a triggering event such as attaining age 59
1
⁄
2
, death, disability or a first time homebuyer (subject to a $10,000 lifetime limit).
Distribution before satisfying the five year
              period or triggering event requirement may subject the distribution to taxation. Please be aware that each Roth IRA conversion has its own five year holding period requirement for purposes of determining if the 10% additional federal tax
              described below applies.
10% Additional Federal Tax
Withdrawals, whether partial or full, and
              Annuity Payments may also be subject to an additional federal tax equal to 10% of the taxable amount, unless an exception applies. If you take a withdrawal before age 59
1
⁄
2
, you may be subject to a 10% additional federal tax, unless you satisfy one of the exceptions. The exceptions are different for Qualified Contracts and Non-Qualified Contracts, and are
              also different for IRAs and qualified plans. If the Contract is jointly owned, we send one check payable to both Joint Owners. For Contracts issued before August 24, 2015, or if the Contract has a number starting with GAZ, we tax report both
              Joint Owner's based on the age of the older Joint Owner. For Contracts issued on or after August 24, 2015 that have a number starting with AV, we tax report each Joint Owner individually.
Tax
                reporting each Joint Owner individually can create a discrepancy in taxation if only one Joint Owner is under age 59
1
⁄
2
because that Joint Owner will be subject to the 10% additional federal tax.
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Exceptions to the 10% Additional
              Federal Tax for Qualified Contracts
1)
distributions made on or after the date you (or the Annuitant as applicable) reach age 59
1
⁄
2
;
2)
distributions following your death or disability (or the Annuitant as applicable) (for this purpose disability is as defined in Section 72(m)(7) of the Code);
3)
distributions paid in a series of substantially equal payments made annually (or more frequently) for your life (or life expectancy) or joint lives of you and your designated Beneficiary;
4)
distributions made to you after separation from service after reaching age 55 (does not apply to IRAs);
5)
distributions made to you to the extent such distributions do not exceed the amount allowed as a deduction under Code Section 213 for amounts paid during the tax year for medical care;
6)
distributions made on account of an IRS levy upon the Qualified Contract;
7)
distributions from an IRA for the purchase of medical insurance (as described in Section 213(d)(1)(D) of the Code) for you and your spouse and dependents if you have received unemployment compensation for at least 12
                      weeks (this exception will no longer apply after you have been re-employed for at least 60 days);
8)
distributions from an IRA made to you, to the extent such distributions do not exceed your qualified higher education expenses (as defined in Section 72(t)(7) of the Code) for the tax year;
9)
distributions from an IRA which are qualified first-time homebuyer distributions (as defined in Section 72(t)(8) of the Code);
10)
distributions made to an alternate Payee pursuant to a qualified domestic relations order (does not apply to an IRA);
11)
distributions made to a reservist called to active duty after September 11, 2001, for a period in excess of 179 days (or for an indefinite period), from IRAs or amounts attributable to elective deferrals under a 401(k)
                      plan made during such active period; and
12)
distributions made during the payment period starting on the birth of a child or the finalization of an adoption (up to $5,000).
With respect to (12) above,
              a qualified birth or adoption distribution may be repaid in one or more contributions into an IRA or qualified retirement plan (if you are eligible to make a contribution to the qualified retirement plan). The repayment contribution will be
              treated as a rollover into the IRA or qualified retirement plan.
With respect to (3) above, if the series of
              substantially equal periodic payments is modified before the later of the Annuitant attaining age 59
1
⁄
2
or the close of the five year period that began on the date the first payment was received, then the tax for the year of the modification is increased by the 10% additional federal tax, plus interest for the tax years in which the exception
              was used. A partial withdrawal, partial transfer, or partial rollover taken after a series of substantially equal periodic payments has begun will result in the modification of the series of substantially equal payments and therefore will
              result in the imposition of the 10% additional federal tax and interest for the period as described above. You should obtain competent tax advice before you take any partial withdrawals from your Contract. Adding Purchase Payments to a
              Contract that is making substantially equal periodic payments will also result in a modification of the payments.
For 2020 only, the Coronavirus Aid, Relief,
              and Economic Security (CARES) Act, permitted corona-virus related distributions from Qualified Contracts and IRAs up to an aggregate amount of $100,000. This type of distribution was an exception to the 10% federal additional tax. To qualify
              for the distribution, generally you, your spouse, or dependent had to have been diagnosed with the virus, or you had to have been affected economically in certain ways because of the virus. The tax associated with the distributions may be
              paid ratably over three years, beginning with the 2020 tax year. The CARES Act also allows you to recontribute the amount you withdrew to an eligible retirement plan (to which you can make a rollover contribution) in one or more payments
              within three years.
Exceptions to the 10% Additional Federal Tax for
              Non-Qualified Contracts
1)
paid on or after you reach age 59
1
⁄
2
;
2)
paid after you die;
3)
paid if you become totally disabled (as that term is defined in Section 72(m)(7) of the Code);
4)
paid in a series of substantially equal payments made annually (or more frequently) for your life (or life expectancy) or joint lives of you and your designated Beneficiary;
5)
paid as annuity payments under an immediate annuity; or
6)
that come from Purchase Payments made before August 14, 1982.
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With respect to (4) above,
              if the series of substantially equal periodic payments is modified before the later of your attaining age 59
1
⁄
2
or the close of the five year period that began on the date the first payment was received, then the tax for the year of the modification is increased by the 10% additional federal
              tax, plus interest, for the tax years in which the exception was used. A partial withdrawal or partial 1035 exchange taken after a series of substantially equal periodic payments has begun will result in the modification of the series of
              substantially equal payments and therefore will result in the imposition of the 10% additional federal tax and interest for the period as described above. Adding Purchase Payments to a Contract that is making substantially equal periodic
              payments will also result in a modification of the payments.
Non-Qualified Annuity Medicare Tax
Distributions from Non-Qualified Contracts are
              considered investment income for purposes of the Medicare tax on investment income. Thus, in certain circumstances, a 3.8% tax may apply to some or all of the taxable portion of distributions (e.g. earnings) to individuals whose income
              exceeds certain threshold amounts ($200,000 for filing single, $250,000 for married filing jointly and $125,000 for married filing separately.) This tax does not apply to distributions from Qualified Contracts. Please consult a tax adviser
              for more information.
Payments for Financial Adviser Fees
Any financial adviser fees that you choose to
              have us pay from this Contract to your Financial Professional or Financial Professional's firm may result in a taxable distribution.
Please consult with your Financial Professional
                before requesting us to pay financial adviser fees from this Contract compared to other assets you may have since federal and/or state taxing authorities could determine that such fees should be treated as taxable distributions.
RMDs From Qualified Contracts
Distributions from a Qualified Contract must
              commence no later than the required beginning date. For Roth IRAs, no distributions are required during the Owner's lifetime. For IRAs other than Roth IRAs, the required beginning date is April 1 of the calendar year following the year in
              which you attain age 72 (or age 70
1
⁄
2
if you reached this age prior to January 1, 2020).
              Under a qualified plan, the required beginning date is generally April 1 of the calendar year following the later of the calendar year in which you reach age 72 (or age 70
1
⁄
2
if you reached this age prior to January 1, 2020) or retire.
Generally, RMDs must be made over a period not
              exceeding the life or life expectancy of the individual or the joint lives or life expectancies of the individual and his or her designated Beneficiary. If the RMDs are not made, a 50% additional federal tax is imposed as to the amount not
              distributed. If you are attempting to satisfy these rules through partial withdrawals, the present value of future benefits provided under the Contract may need to be included in calculating the amount required to be distributed. If you
              enroll in our minimum distribution program, we make RMD payments to you that are designed to meet this Contract's RMD requirements.
Diversification
Code Section 817(h) and accompanying Treasury
              Department Regulations imposes diversification standards on the assets underlying variable annuity contracts. The Code provides that a variable annuity contract cannot be treated as an annuity contract for any period during which its
              investments are not adequately diversified as required by the United States Treasury Department. If the Contract no longer qualifies as an annuity contract, you would be subject to federal income tax each year with respect to Contract
              earnings accrued. We intend to manage all available Index Options, and we intend that all Variable Options be managed by the investment advisers so that they comply with these diversification standards.
Owner Control
The Treasury Department has indicated that the
              diversification regulations do not provide guidance regarding the circumstances in which an Owner's control of the Separate Account's investments may cause the Owner to be treated as the owner of the Separate Account's assets, which would
              cause the Contract to lose its favorable tax treatment. In certain circumstances, variable annuity contract owners have been considered for federal income tax purposes to be the owners of the separate account's assets, due to their ability to
              exercise investment control over those assets. In this case, the contract owners have been currently taxed on income and gains attributable to the variable account assets. There is little guidance in this area and some of our Contract's
              features, such as the flexibility of an Owner to allocate Purchase Payments and transfer amounts among available Variable Options, have not been explicitly addressed in published rulings. While we believe that the Contracts do not give Owners
              investment control over Separate Account assets, we reserve the right to modify the Contracts as necessary to prevent an Owner from being treated as the owner of the Separate Account assets.
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Taxation of Annuity Payments
For Annuity Payments from Non-Qualified
              Contracts, the portion of each payment included in income is determined by an exclusion ratio. The exclusion ratio is a calculation that causes a portion of each Annuity Payment to be non-taxable, based upon the percentage of your Contract
              Value that is from Purchase Payments. We determine the exclusion ratio for Annuity Payments by dividing the investment in the Contract (adjusted for any guaranteed period or refund guarantee) by the expected return anticipated to be paid as
              Annuity Payments (which is determined by Treasury Regulations). We determine the amount of each Annuity Payment that is excluded from income by multiplying the Annuity Payment by the exclusion ratio. Annuity Payments received after the
              investment in the Contract has been recovered (for example, when the total of the amounts excluded from income equal the investment in the Contract) are fully taxable.
Generally, Annuity Payments from Qualified
              Contracts are fully taxable unless you have separately tracked and reported any after-tax contributions that you have made. Annuity Payments that are qualified distributions from Roth IRAs are federal income tax free. Owners, Annuitants and
              Beneficiaries under the Contracts should seek competent financial advice about the tax consequences of any distributions.
Distributions Upon the Owner's Death (or
              Annuitant's Death If the Owner Is a Non-individual)
Section 72(s) of the Code requires that, to be
              treated as an annuity contract for federal income tax purposes, a Non-Qualified Contract must contain certain provisions regarding distributions when an Owner dies. Specifically, Section 72(s) requires that: (a) if an Annuitant dies on or
              after you annuitize the Contract, but before distribution of the entire Contract's interest, the entire Contract's interest must be distributed at least as rapidly as under the distribution method being used as of the Annuitant's date of
              death; and (b) if any Owner (or the Annuitant if the Owner is a non-individual) dies before you annuitize the Contract, the Contract's entire interest must be distributed within five years after the Owner's date of death.
These requirements are satisfied as to any
              part of an Owner's interest that is payable to, or for the benefit of, a designated Beneficiary and distributed over the designated Beneficiary's life, or over a period not extending beyond that Beneficiary's life expectancy, provided that
              distributions begin within one year of the Owner's death. The designated Beneficiary refers to an individual designated by the Owner as a Beneficiary and to whom ownership of the Contract passes by reason of death.
However, if the designated Beneficiary is the
              deceased Owner's surviving spouse, the surviving spouse can continue the Contract as the new Owner. If a couple is married in a jurisdiction (including a foreign country) that recognizes same-sex marriage, that marriage will be recognized for
              all federal tax purposes regardless of the law in the jurisdiction where they reside. However, the IRS did not recognize civil unions and registered domestic partnerships as marriages for federal tax purposes. Depending on the state in which
              your Contract is issued, we may offer certain spousal benefits to same-sex civil union couples, domestic partners or spouses. You should be aware, however, that, if state law does not recognize the civil union or registered domestic
              partnership as a marriage, we cannot permit the surviving partner/spouse to continue the Contract within the meaning of the federal tax law.
Same-sex civil union couples, domestic
              partners and spouses should contact their financial professional and a qualified tax adviser regarding their personal tax situation, the implications of any Contract benefits based on a spousal relationship, and their partner's/spouse's
              rights and benefits under the Contract.
Non-Qualified Contracts contain provisions
              that are intended to comply with these Code requirements.
Upon death of an Owner of a Qualified
              Contract, the Setting Every Community Up for Retirement (SECURE) Act (contained within the Further Consolidated Appropriations Act enacted December 20, 2019) made significant changes to the payment options available to Beneficiaries of Owners
              who die on or after January 1, 2020. The rules discussed below reference IRA Contracts, but similar rules also apply to qualified retirement plans. With some exceptions, IRA Beneficiaries must receive their entire death benefit by December 31
              following the tenth anniversary of the IRA Owner's death.
The payments options for IRA Beneficiaries
              differ depending on several factors, including whether a Beneficiary is an Eligible Designated Beneficiary (EDB). An EDB includes any Beneficiary of the deceased IRA Owner who at time of death is: 1) the surviving spouse, 2) not more than ten
              years younger than the IRA Owner, 3) a minor child of the IRA Owner, 4) chronically ill, or 5) disabled. EDB status is determined at the IRA Owner's death.
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If you are an EDB, then you
              can begin RMD payments based on your single life expectancy ("stretch payments") in the year following the deceased Owner's death. You must begin to receive these RMD payments by December 31 of the year following the deceased Owner's death
              (but see the exception for a spouse beneficiary below). If you are an EDB that elected to receive payments over your life expectancy, once you die, then your beneficiary must receive their entire death benefit by December 31 following the
              tenth anniversary of your death.
For a minor child Beneficiary, the payments
              based on life expectancy may continue only until the minor child reaches the age of majority (age 18 or the age specified in Treasury Regulations). The minor child Beneficiary must receive their entire death benefit by December 31 following
              the tenth anniversary of reaching the age of majority.
If you were the spouse Beneficiary of the
              deceased Owner's IRA Contract and your spouse had not yet reached the date at which he/she was required to begin receiving RMD payments (treating a Roth IRA as a traditional IRA for this purpose only), then you can wait to begin receiving RMD
              payments until the year that your spouse would have reached age 72. Alternatively, if the deceased Owner had already reached the date at which he/she was required to begin receiving RMD payments, you must begin to receive these RMD payments
              by December 31 of the year following the deceased Owner's death.
If you are a designated Beneficiary (generally
              an individual), but are not an EDB, the entire death benefit must be distributed by December 31 after the tenth anniversary of the IRA Owner's death. If you die before the end of the ten-year period and the entire death benefit has not been
              distributed, your beneficiary must receive the entire death benefit by the same date you would have been required to receive the death benefit.
If the Beneficiary of the IRA Contract is a
              trust, current Treasury Regulations provide "see-through" treatment for trusts that meet certain requirements. If such treatment applies, the beneficiaries of the trust, rather than the trust itself will be treated as having been designated
              as beneficiaries of the IRA Contract for purposes of determining the distribution period for RMD payments. Due to the changes made by SECURE, there is uncertainty regarding which distribution options are available when a trust is the
              Beneficiary of an IRA Contract. Clarification of situations involving trust Beneficiaries is expected to be provided when the Treasury Department releases applicable regulations. Individuals are encouraged to seek guidance from their own tax
              professional or legal counsel to determine how these new rules apply to their particular situation.
If the IRA Beneficiary is not a "designated
              beneficiary" (e.g., beneficiary is an estate, charity, or a trust that does not meet the requirements for "see-through" treatment), then the payment options are unchanged by the SECURE Act. If the IRA Owner had not yet reached the date at
              which he/she was required to begin receiving RMD payments (treating a Roth IRA as a traditional IRA for this purpose only), then these IRA Beneficiaries must receive their entire death benefit by December 31 following the fifth anniversary of
              the IRA Owner's death. Alternatively, if the deceased Owner had already reached the date at which he/she was required to begin receiving RMD payments, these IRA Beneficiaries can begin RMD payments based on the single life expectancy of the
              Owner in the year of the deceased Owner's death, reduced by one. These Beneficiaries must begin to receive these RMD payments by December 31 of the year following the deceased Owner's death.
The SECURE Act impacts situations when the IRA
              Owner died before January 1, 2020 and the Beneficiary had elected stretch payments. In this situation, the stretch payments can continue to the Beneficiary, but once that Beneficiary dies, the successor beneficiary must receive any remaining
              death benefit by December 31 following the tenth anniversary of the original Beneficiary's death.
The SECURE Act may limit the annuitization
              options that a Beneficiary may elect at the IRA Owner's death to comply with the new death benefit payment rules. Also, if an IRA Owner elected an annuitization option and then dies, action may be needed by the Beneficiary if any remaining
              Annuity Payments do not comply with the new death benefit payment rules for a Beneficiary.
Tax-Free Section 1035 Exchanges
Subject to certain
              restrictions, you can make a "tax-free" exchange under Section 1035 of the Code for all or a portion of one non-qualified annuity contract for another, or all of a life insurance policy for a non-qualified annuity contract. If you perform a
              partial 1035 exchange, please be aware that no distributions or withdrawals can occur from the old or new annuity contract within 180 days of the partial exchange, unless you qualify for an exception to this rule. IRS guidance also provides
              that certain partial exchanges may not qualify as tax-free exchanges. You should consult a tax adviser to discuss the potential tax effects before making a 1035 exchange.
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Before making an exchange,
              you should compare both contracts carefully. Remember that if you exchange a life insurance policy or annuity contract for the Contract described in this prospectus:
•
you might have to pay a withdrawal charge on your previous contract,
•
there is a new withdrawal charge period for this Contract,
•
other charges under this Contract may be higher (or lower),
•
the benefits may be different, and
•
you no longer have access to any benefits from your previous contract.
If the exchange does not qualify for Section 1035
            treatment, you also may have to pay federal income tax, including a possible additional federal tax, on the exchange. You should not exchange an existing life insurance policy or another annuity contract for this Contract unless you determine
            the exchange is in your best interest and not just better for the person selling you the Contract who generally earns a commission on each sale.
Multiple Non-Qualified Contracts Purchased In
              the Same Year By the Same Owner
Code Section 72(e)(12) provides that multiple
              Non-Qualified deferred annuity contracts issued within the same calendar year to the same owner by one company or its affiliates are treated as one annuity contract for purposes of determining a distribution's tax consequences. This treatment
              may result in adverse tax consequences, including more rapid taxation of distributions from combined contracts. For purposes of this rule, contracts received in a Section 1035 exchange are considered issued in the year of the exchange. You
              should consult a tax adviser before purchasing more than one Non-Qualified Contract in any calendar year period.
Assignments, Pledges and Gratuitous Transfers
Any assignment or pledge (or agreement to
              assign or pledge) the Contract Value is treated for federal income tax purposes as a full withdrawal. The Contract will not qualify for tax deferral while the assignment or pledge is effective. Qualified Contracts generally cannot be
              assigned, pledged, or transferred to another individual. For Non-Qualified Contracts, the Contract's cost basis is increased by the amount includible as income with respect to such amount or portion, though it is not affected by any other
              aspect of the assignment or pledge (including its release). If an Owner transfers a Non-Qualified Contract (an ownership change) without adequate consideration to a person other than their spouse (or to a former spouse incident to divorce),
              the Owner is taxed on the difference between his or her Contract Value and the Contract's cost basis at the time of transfer. In such case, the transferee's investment in the Contract is increased to reflect the increase in the transferor's
              income. An Owner should consult a tax adviser before requesting an assignment, transfer, or pledge.
Income Tax Withholding
Any part of a distribution that is taxable to
              the Owner or Beneficiary is subject to federal and/or state income tax withholding. Generally, we withhold amounts from Annuity Payments at the same rate as wages, and we withhold 10% from non-periodic payments, such as withdrawals. However,
              in most cases, you may elect not to have taxes withheld or to have withholding done at a different rate.
Certain distributions from retirement plans
              qualified under Code Section 401 that are not directly rolled over to another eligible retirement plan or IRA, are subject to a mandatory 20% federal income tax withholding. The 20% withholding requirement generally does not apply to:
•
a series of substantially equal payments made at least annually for the life or life expectancy of the participant or joint and last survivor expectancy of the participant and a designated Beneficiary, or for a
                      specified period of ten years or more; or
•
RMDs; or
•
any part of a distribution not included in gross income (for example, returns of after-tax contributions); or
•
hardship withdrawals.
Plan participants should
              consult a tax adviser regarding income tax withholding requirements.
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Federal Estate Taxes
While no attempt is being made to discuss the
              Contract's federal estate tax implications, an Owner should keep in mind the annuity contract's value payable to a Beneficiary upon the Owner's death is included in the deceased Owner's gross estate. Depending on the annuity contract, the
              annuity's value included in the gross estate may be the value of the lump sum payment payable to the designated Beneficiary, or the actuarial value of the payments to be received by the Beneficiary. Consult an estate planning adviser for more
              information.
Generation-Skipping Transfer Tax
The Code may impose a "generation-skipping
              transfer tax" when all or part of an annuity contract is transferred to, or a death benefit is paid to, an individual two or more generations younger than the Owner. Regulations may require us to deduct this tax from your Contract, or from
              any applicable payment, and pay it directly to the IRS.
Foreign Tax Credits
We may benefit from any foreign tax credits
              attributable to taxes paid by certain funds to foreign jurisdictions to the extent permitted under the federal tax law.
Possible Tax Law Changes
Although the likelihood of legislative or
              regulatory changes is uncertain, there is always the possibility that the Contract's tax treatment could change. Consult a tax adviser with respect to legislative or regulatory developments and their effect on the Contract.
We have the right to modify the Contract in
              response to legislative or regulatory changes that could otherwise diminish the favorable tax treatment that annuity owners currently receive. We make no guarantee regarding the tax status of any Contract and do not intend the above
              discussion as tax advice.
12.
Other
                Information
The Registered Separate Account
We established Allianz Life of NY Variable
            Account C (the Separate Account, formerly Preferred Life Variable Account C), as a separate account under New York State insurance law on February 26, 1988. The Separate Account is registered with the SEC as a unit investment trust under the
            Investment Company Act of 1940. The SEC does not supervise our management of the Separate Account.
The Separate Account holds the Variable Options'
            shares that have been purchased with Contract assets. We keep the Separate Account assets separate from the assets of our general account and other separate accounts, including the non-unitized separate accounts we established in connection
            with the Index Options. The Separate Account is divided into subaccounts, each of which invests exclusively in a single Variable Option.
We own the assets of the
              Separate Account. Income, gains, and losses credited to, or charged against, the Separate Account reflect the Separate Account's own investment experience and not the investment experience of the our other assets. The Separate Account's
              assets are insulated, so that the assets cannot be used to pay any of our liabilities, other than those arising from the investment of Contract assets in the Variable Options.
If the Separate Account's assets exceed the
              required reserves and other liabilities, we may transfer the excess to our general account, to the extent of seed money invested by us or earned fees and expenses. The obligations under the Contracts are obligations of Allianz Life of New
              York. We are obligated to pay all amounts promised to investors under the Contracts.
Our General Account
Our general account holds all our assets other
            than assets in our separate accounts. We own our general account assets, and, subject to applicable law, have sole investment discretion over them. The assets are subject to our general business operation liabilities and claims of our creditors
            and may lose value. We have not registered our general account as an investment company under the Investment Company Act of 1940.
Our general account assets fund guarantees
            provided in the Contracts. Contract Value that you apply to Annuity Payments becomes part of our general account.
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Our Unregistered Separate Account
We allocate all assets backing the Index Options
            to an unregistered, non-unitized, non-insulated separate account (Separate Account IANY), which we established under New York Insurance Law solely for the purpose of supporting our obligations to pay Performance Credits associated with the
            Index Options. Separate Account IANY has two subaccounts: Subaccount IABV (which is a book value subaccount) and Subaccount IAMV (which is a market value subaccount).
Initially, a substantial majority of the
            aggregate assets backing the Index Options are allocated to Subaccount IABV. We hold all other assets that you allocate to the Index Options that are not invested in Subaccount IABV in Subaccount IAMV. Subsequently, there may be significant
            transfer of assets between Subaccount IABV and Subaccount IAMV in response to Index performance during the then-current Index Year. We typically transfer assets between the subaccounts if there is a 10% incremental change in year-to-date Index
            performance. For the Index Performance Strategy this starts at a -10% decrease in the market; for the Index Protection NY Strategy, this starts at a -30% decrease in the market. We monitor year-to-date Index performance daily and change
            allocations daily if needed based on this 10% increment.
We invest the assets in Subaccount IAMV in
            hedging instruments, including derivative investments such as put and call options, as well as cash and fixed income securities. Like our general account, the assets in Separate Account IANY are subject to our general business operation
            liabilities and the claims of our creditors.
An Owner who allocates Contract Value to an Index
            Option does not have any interest in or claim on the assets in Separate Account IANY. In addition, neither the Owner nor the Index Options participate in any way in the performance of assets held in Separate Account IANY.
Distribution
Allianz Life Financial
              Services, LLC (ALFS), a wholly owned subsidiary of Allianz Life Insurance Company of North America, serves as principal underwriter for the Contracts. ALFS is a limited liability company organized in Minnesota, and is located at 5701 Golden
              Hills Drive, Minneapolis, MN 55416. ALFS is registered as a broker-dealer with the SEC under the Securities Exchange Act of 1934, as well as with the securities commissions in the states in which it operates, and is a member of the Financial
              Industry Regulatory Authority (FINRA). ALFS is not a member of Securities Investors Protection Corporation. More information about ALFS is available at finra.org or by calling 1-800-289-9999. You also can obtain an investor brochure from
              FINRA describing its Public Disclosure Program.
We have entered into a distribution agreement
            with ALFS for the distribution of the Contracts. ALFS also may perform various administrative services on our behalf.
We may fund ALFS operating and other expenses,
            including:
•
overhead,
•
legal fees,
•
accounting fees,
•
Financial Professional training,
•
compensation for the ALFS management team, and
•
other expenses associated with the Contracts.
Financial Professionals and their managers may
            also be eligible for various benefits, such as production incentive bonuses, insurance benefits, and non-cash compensation items that we may provide jointly with ALFS. Non-cash items include conferences, seminars and trips (including travel,
            lodging and meals in connection therewith), entertainment, awards, merchandise and other similar items.
ALFS does not itself sell the Contracts on a
            retail basis. Rather, ALFS enters into selling agreements with other broker-dealers registered under the 1934 Act (selling firms) for the sale of the Contracts. We pay sales commissions to the selling firms and their Financial Professionals.
            The maximum commission payable to the selling firms for Contract sales is expected to not exceed 7% of Purchase Payments. Sometimes, we enter into an agreement with a selling firm to pay commissions as a combination of a certain amount of the
            commission at the time of sale and a trail commission which, when totaled, could exceed 7% of Purchase Payments.
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The following table shows
              the aggregate dollar amount of underwriting commissions paid to ALFS for each of the Allianz Life of New York's last three fiscal years. The underwriter did not retain any part of the commissions.
2019
2020
2021
Commission paid
$ 15,622,668.01
$ 21,548,022.93
$ 37,545,384.80
We and/or ALFS may make bonus payments to certain
            selling firms based on aggregate sales of our variable insurance contracts (including this Contract) or persistency standards, or as part of a special promotion. These additional payments are not offered to all selling firms, and the terms of
            any particular agreement governing the payments may vary among selling firms. In some instances, the amount paid may be significant.
A portion of the payments made to selling firms
            may be passed on to their Financial Professionals. Financial Professionals may receive cash and non-cash compensation and other benefits. Ask your Financial Professional for further information about what they and their firm may receive in
            connection with your purchase of a Contract.
Commissions paid on the Contract, including other
            incentives or payments, are not charged directly to the Owners or the Separate Account. We intend to recover commissions and other expenses indirectly through fees and expenses imposed under the Contract.
Broker-dealers and their Financial Professionals
            and managers involved in sales of the Contracts may receive payments from us for administrative and other services that do not directly involve the sale of the Contracts, including payments made for recordkeeping, the recruitment and training
            of personnel, production of promotional literature and similar services. In addition, certain firms and their Financial Professionals may receive compensation for distribution and administrative services when acting in a wholesaling capacity
            and working with retail firms.
In certain instances, we and/or ALFS may make
            payments to a broker-dealer for inclusion of this Contract in its list of products that it offers for sale.
We and/or ALFS may pay certain selling firms
            additional marketing support allowances for:
•
marketing services and increased access to their Financial Professionals;
•
sales promotions relating to the Contracts;
•
costs associated with sales conferences and educational seminars;
•
the cost of client meetings and presentations; and
•
other sales expenses incurred by them.
We retain substantial discretion in determining
            whether to grant a marketing support payment to a particular broker-dealer firm and the amount of any such payment.
We may also make payments for marketing and
            wholesaling support to broker-dealer affiliates of Variable Options that are available through the variable annuities we offer.
Additional information regarding marketing
            support payments can be found in the Distributor section of the Statement of Additional Information.
Some Financial Professionals
              may have a financial incentive to offer you a new contract in place of the one you already own. You should only exchange your contract if you determine, after comparing the features, fees and risks of both contracts, that it is better for you
              to purchase the new contract rather than continue to own your existing contract.
The Variable Options may assess a Rule 12b-1 fee.
            These fees are paid to ALFS as consideration for providing distribution and certain other services and incurring certain expenses permitted under the Variable Option's plan. These fees typically equal 0.25% of a Variable Option's average daily
            net assets.
In certain instances, an investment adviser
            and/or subadviser (and/or their affiliates) of a Variable Option may make payments for administrative services to ALFS or its affiliates.
We offer the Contracts to the public on a
            continuous basis. We anticipate continuing to offer the Contracts but reserve the right to discontinue the offering.
Additional Credits for Certain Groups
We may credit additional amounts to a Contract
            instead of modifying charges because of special circumstances that result in lower sales or administrative expenses or better than expected mortality or persistency experience.
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Administration/Allianz Service Center
The Allianz Service Center performs certain
            administrative services regarding the Contracts and is located at 5701 Golden Hills Drive, Minneapolis, Minnesota. The Service Center mailing address and telephone number are listed at the back of this prospectus. The administrative and routine
            customer services performed by our Service Center include processing and mailing of account statements and other mailings to Owners, responding to Owner correspondence and inquiries. Allianz Life Insurance Company of North America (as service
            provider for the Contracts) also contracts with Tata Consultancy Services (Tata) located at #42(P) & 45(P), Think Campus, Electronic City, Phase II, Bangalore, Karnataka 560100, India, to perform certain administrative services including:
•
issuance and maintenance of the Contracts,
•
maintenance of Owner records, and
•
routine customer service including:
–
processing of Contract changes,
–
processing withdrawal requests (both partial and total), and
–
processing requests for fixed annuity payments.
Services performed by Tata are overseen and
            quality control checked by our Service Center.
To reduce expenses, only one copy of most
            financial reports and prospectuses, including reports and prospectuses for the Variable Options, may be mailed to your household, even if you or other persons in your household have more than one contract issued by us or our affiliate. Call our
            Service Center at the toll-free telephone number listed at the back of this prospectus if you need additional copies of financial reports, prospectuses, or annual and semiannual reports, or if you would like to receive one copy for each
            contract in future mailings.
Legal Proceedings
Like other life insurance companies, we from time
            to time are involved in legal proceedings of various kinds, including regulatory proceedings and individual and class action lawsuits. In some legal proceedings involving insurers, substantial damages have been sought and/or material settlement
            payments have been made. Although the outcome of any such proceedings cannot be predicted with certainty, we believe that, at the present time, there are no pending or threatened legal proceedings to which we, the Separate Account, or ALFS is a
            party that are reasonably likely to materially affect the Separate Account, our ability to meet our obligations under the Contracts, or ALFS ability to perform its obligations.
Status Pursuant to Securities Exchange Act of
            1934
Allianz Life of New York hereby relies on the
            exemption provided by Rule 12h-7 under the Securities Exchange Act of 1934 from the requirement to file reports pursuant to Section 15(d) of that Act.
13.
Information
                on Allianz Life of New York
Allianz Life of New York is a stock life
            insurance company organized under the laws of the State of New York on September 21, 1982. Our address is 1633 Broadway, 42nd Floor, New York, NY 10019-7585. Before January 1, 2003, Allianz Life of New York was known as Preferred Life Insurance
            Company of New York. We are a subsidiary of Allianz Life Insurance Company of North America (Allianz Life), which is also a stock life insurance company. Allianz Life is a subsidiary of Allianz of America, Inc. (AZOA), a financial holding
            company. AZOA is a wholly owned subsidiary of Allianz Europe, B.V., which in turn is a wholly owned subsidiary of Allianz SE, which is registered in Munich, Germany. We currently offer registered index-linked annuities and are licensed to do
            direct business in six states, including New York and the District of Columbia.
Directors, Executive Officers and Corporate
            Governance
BOARD OF DIRECTORS
The Board currently consists
              of nine members, including our Chair and Chief Executive Officer, our President, our Chief Financial Officer and Treasurer, our Vice President, Appointed Actuary, three independent outside board members, and two other non-independent board
              members. Age and positions are provided as of December 31, 2021, except as otherwise noted.
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The Board holds regular semi-annual meetings,
            generally in April and November of each year, and holds special meetings or takes action by unanimous written consent as circumstances warrant. The Board has standing Executive, Audit and Evaluation, Conflict of Interest, and Finance
            Committees, each of which is described in further detail below.
The current members of our Board are as follows.
Jasmine M. Jirele
Chair, Director, and Chief Executive Officer
Jasmine M. Jirele, age 44, joined Allianz Life
              in 2018 and currently serves as the Chair of the Board and the Chief Executive Officer of Allianz Life Insurance Company of New York and the Chair of its Executive and Conflict of Interest committees, respectively. Ms. Jirele also serves as
              the President and Chief Executive Officer and Board member of Allianz Life Insurance Company of North America. Ms. Jirele also serves as the Chair of the Board of AZOA Services Corporation, and as the Chair of its Shared Plans Management
              Committee. Ms. Jirele also serves as a Governor of Allianz Individual Insurance Group, LLC, TruChoice Financial Group, LLC, and Allianz Investment Management U.S. LLC, respectively. She also serves as director of Allianz Australia Life
              Insurance Holdings Limited and Allianz Australia Life Insurance Limited.
Previously, Ms. Jirele was a Governor of
              Allianz Investment Management LLC from January 1, 2021 to February 15, 2022. Ms. Jirele was also the Senior Vice President, Chief Growth Officer of Allianz Life from October 1, 2018 to September 1, 2021. In that role, Ms. Jirele was
              responsible for the oversight of new business strategy, product innovation, marketing, and corporate communications. Prior to that, Ms. Jirele was the Executive Vice President, Head of Customer Excellence at Wells Fargo Consumer Bank/Consumer
              Auto. Prior to that, Ms. Jirele spent nine years at Allianz Life as the Senior Vice President of Enterprise Operations from 2012 to 2015, Vice President of Market Management and Product Innovation from 2009 to 2012, Director of Executive
              Projects from 2007 to 2009, and Director of Marketing/Communications from 2006 to 2007, respectively.
Ms. Jirele brings to the Board extensive
              operations, product innovation, marketing and communications, growth strategy and insurance industry experience.
William E. Gaumond
Director, Chief Financial Officer, and Treasurer
William E. Gaumond, age 48, currently serves
              as the Chief Financial Officer and Treasurer, and as a member of the Board of Directors of Allianz Life of New York since January 1, 2016. Mr. Gaumond also serves as Chair of its Finance Committee and as a member of its Executive Committee.
              Mr. Gaumond joined Allianz Life in 2004 and currently serves as the Senior Vice President, Chief Financial Officer and Treasurer, and as a member of its Board of Directors.
Mr. Gaumond also serves as the Chief Financial
              Officer of Allianz Foundation for North America, and as a Governor of Allianz Individual Insurance Group, LLC, TruChoice Financial Group, LLC, Allianz Life Financial Services, LLC, Allianz Investment Management U.S. LLC, and Allianz Strategic
              Investments, LLC, respectively. Mr. Gaumond also serves as a Director and President of Allianz Fund Investments, Inc., AZL PF Investments, Inc., and Dresdner Kleinwort Pfandbriefe Investments II, Inc., respectively. Mr. Gaumond is also a
              Director of Questar Agency, Inc., Questar Capital Corporation, Yorktown Financial Companies, Inc., Allianz of America, Inc., Allianz Real Estate of America LLC, and Allianz Technology of America, Inc., and PFP Holdings, Inc., respectively.
              Mr. Gaumond is also a Director and the President of AZOA Services Corporation. Mr. Gaumond also serves as a Director and the Chief Financial Officer and Treasurer of Allianz Finance Corporation. Mr. Gaumond previously served as a Director of
              Questar Asset Management, Inc. from January 2016 to September 2021. Mr. Gaumond is responsible for all finance and risk management functions, with oversight of the controller, financial planning, treasury, and corporate risk management areas.
Mr. Gaumond brings to the Board extensive
            financial services, investment, and insurance industry experience, including serving as Chief Financial Officer and Treasurer of Allianz Life and Allianz Life of New York.
Eric J. Thomes
Director and President
Eric J. Thomes, age 49,
              joined Allianz Life of New York on April 1, 2019, and currently serves as the President and as a member of the Board of Directors. Mr. Thomes also serves as the Senior Vice President, Chief Distribution Officer of Allianz Life. Mr. Thomes
              also serves as a Governor, and as the Chief Executive Officer and Chief Manager of Allianz Life Financial Services, LLC. Mr. Thomes also serves as a Governor of Allianz Individual Insurance Group, LLC, and TruChoice Financial Group, LLC,
              respectively. Mr. Thomes also serves as the Chair and as a Director of Yorktown
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Financial Companies, Inc., Questar Agency, Inc. and Questar Capital Corporation, respectively. Mr. Thomes is responsible for the development, design and implementation of Allianz Life's and Allianz Life of New York's sales and distribution
              strategies. Prior to his current roles, Mr. Thomes served as the Field Senior Vice President, FMO Sales from 2009 to 2019. He also served as the President of Allianz Individual Insurance Group, LLC from 2005 to 2018 and as a Director of
              Questar Asset Management, Inc. from April 2019 to September 2021, respectively.
Mr. Thomes brings to the Board extensive
            financial services and insurance industry experience.
Steven J. Thiel
Director and Vice President, Appointed Actuary
Steven J. Thiel, age 51,
              joined Allianz Life of New York's Board of Directors on November 13, 2012 and is the Vice President, Appointed Actuary and is also a member of its Finance Committee. Mr. Thiel also serves as the Vice President, Actuarial Financial Reporting
              and Analysis of Allianz Life. Mr. Thiel is a Director and the President and Chief Executive Officer of Allianz Life Insurance Company of Missouri. Mr. Thiel joined Allianz Life in 2008. Mr. Thiel previously served as the Appointed Actuary of
              Allianz Life and Annuity Company from 2012 to 2017 and as a Director and the President and Chief Executive Officer of Allianz Annuity Company of Missouri from 2012 to 2019. Mr. Thiel leads a team responsible for accurate and timely reporting
              of the actuarial balances for Allianz Life and Allianz Life of New York. He is accountable for analyzing aspects of the Company's financial performance and delivering key projects that drive financial strength and stability.
Mr. Thiel brings to the Board extensive
            experience in actuarial and financial performance matters.
Ronald M. Clark
Director
Ronald M. Clark, age 74,
              joined Allianz Life of New York's Board of Directors on March 31, 2013, and is a member of its Audit and Evaluation Committee and its Finance Committee. Mr. Clark also serves as a Director and Audit Committee member of Allianz Reinsurance
              America, Inc. Mr. Clark also serves as a Director of Manitex International, Inc., a public company, as the Chair of its Compensation Committee, and as a member of its Audit Committee. Mr. Clark has over 40 years of experience in investments,
              having served as the President of Allianz Investment Corporation from 1980 to 1990, the Chief Operating Officer of Allianz of America, Inc. ("AZOA") from 1990 to 2001, the Chief Investment Officer of AZOA from 2002 to 2011, and as a Director
              of Fireman's Fund Insurance Company from 2014 to 2015. Mr. Clark previously served as a Director of Allianz Life and as the Chair of its Nomination, Evaluation and Compensation Committee, and as a member of its Audit and Executive Committees
              from 2014 to 2020.
Mr. Clark brings to the Board extensive
            experience in the financial services and insurance industries, as well as extensive experience with investment matters.
Martha Clark Goss
Director
Martha Clark Goss, age 72,
              joined Allianz Life of New York's Board of Directors on October 15, 2005, and is the Chair of its Audit and Evaluation Committee, and a member of its Conflict of Interest Committee. Ms. Goss has more than 40 years of executive experience,
              primarily in finance and investments and risk management. Since 1992, she has served on a number of public and private company boards, has provided independent consulting services to various companies and serves as an instructor for executive
              leadership training for Deloitte LLP. Ms. Goss currently serves as a director of American Water Works Company, Inc. and Neuberger Berman Mutual Funds. Ms. Goss brings to the Board extensive experience in the financial services industry as
              well as expertise on corporate governance and risk management matters. The Board also benefits from her perspective as a current and former director of other companies.
Lorraine Lods
Director
Lorraine Lods, age 53, joined Allianz Life of New York's Board of Directors on October 1, 2018. Ms. Lods has over 30 years of insurance and financial service experience. Ms. Lods currently serves as Regional Vice President of Retirement
              Consultant for Allianz Life Financial Services, LLC covering the New York City-Long Island Territory since 2009. Ms. Lods brings to the Board extensive experience in the insurance industry as well as extensive experience in wholesaling.
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Gary A. Smith
Director
Gary A. Smith, age 62,
              joined Allianz Life of New York's Board of Directors on May 10, 2005. Mr. Smith is Co-Founder and Senior Partner of Ivy Planning Group (Ivy), a 30-year-old management consulting and training company specializing in strategy, diversity,
              leadership and change management. Mr. Smith has over 30 years of experience in strategy, technology, management consulting and executive coaching to large private sector companies and government organizations. Mr. Smith has successfully
              developed and implemented strategies, led teams, and served the needs of a wide spectrum of clients, sharing best practices in management consulting in multiple venues. Mr. Smith brings to the Board extensive experience in management
              consulting and diversity initiatives.
Kevin E. Walker
Director
Kevin E. Walker, age 59,
              joined Allianz Life of New York's Board of Directors on October 1, 2018, and is a member of its Audit and Evaluation Committee and its Executive Committee. Mr. Walker also serves on Allianz Life's Board of Directors since May 23, 2017. Mr.
              Walker serves as the Chair and Director of Allianz Reinsurance America, Inc., and is a member of its Audit Committee since January 1, 2017. Mr. Walker has over 30 years of insurance and financial services experience. Mr. Walker served at
              various Allianz affiliates throughout his career, most recently as the President and Chief Executive Officer of Allianz Reinsurance America, Inc. from 2015 to 2016. Mr. Walker has also served as a director and officer for several other
              Allianz affiliates.
Mr. Walker brings to the Board extensive
            experience in the insurance industry, as well as extensive experience in finance and operations.
EXECUTIVE OFFICERS
The current executive
              officers (other than Ms. Jirele and Messrs. Gaumond, Thiel and Thomes) are as follows. Age and positions are provided as of December 31, 2021, except as otherwise noted.
Gretchen Cepek
Chief Legal Officer and Secretary
Gretchen Cepek, age 53, joined Allianz Life of New York on February 17, 2012 and currently serves as the Chief Legal Officer and Secretary and as a member of its Conflict of Interest Committee. Ms. Cepek is responsible for the legal,
              ethics and compliance departments as well as government relations and the special investigations unit. Ms. Cepek also serves as the Senior Vice President, General Counsel and Secretary of Allianz Life and as the General Counsel and Secretary
              of AZOA Services Corporation. Previously, Ms. Cepek served as the Secretary for Allianz Life and Annuity Company from 2012 to 2017. Ms. Cepek received her J.D. from Valparaiso University School of Law in 1993.
Todd M. Hedtke
Chief Investment Officer
Todd M. Hedtke, age 49,
              joined Allianz Life of New York in 2012 and currently serves as the Chief Investment Officer since August 21, 2015. He also currently serves as the Senior Vice President, Chief Investment Officer of Allianz Life and the Chief Investment
              Officer of Allianz Life Insurance Company of Missouri, respectively. Mr. Hedtke is a Director and the President of Allianz Finance Corporation, and a Director and Vice President and Treasurer of Allianz Fund Investments Inc., AZL PF
              Investments Inc., and Dresdner Kleinwort Pfandbriefe Investments II Inc., respectively. Mr. Hedtke also serves as a Governor and Chief Executive Officer of Allianz Investment Management LLC, Allianz Investment Management U.S. LLC, and Allianz
              Strategic Investments, LLC, respectively, and as the Chair of the Benefit Plans Investment Committee for AZOA Services Corporation. Mr. Hedtke leads the investment management, liquidity planning, hedging, and trading functions at Allianz
              Life. Mr. Hedtke is also a member of the global Allianz Investment Management Board, which serves the Allianz Group of insurance companies. Prior to his current roles, Mr. Hedtke spent 15 years in a number of investment-related positions at
              Allianz Life and its affiliates, including as a Director and Chief Investment Officer of Allianz Life and Annuity Company from 2015 to 2017 and as the Chief Investment Officer of Allianz Annuity Company of Missouri from 2015 to 2019,
              respectively.
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Neil H. McKay
Chief Actuary
Neil H. McKay, age 60,
              joined Allianz Life of New York in 1999 and currently serves as the Chief Actuary since April 8, 2014. Mr. McKay also currently serves as the Senior Vice President, Chief Actuary of Allianz Life. Previously, Mr. McKay served as a Director and
              Chief Actuary of Allianz Life and Annuity Company from 2007 to 2017. Mr. McKay is responsible for all of the actuarial functions of Allianz Life of New York and Allianz Life, including the actuarial assumptions underlying its products and the
              rate setting associated with existing and new products.
CORPORATE GOVERNANCE
Committees of the Board
The Executive Committee of
              the Board ("Executive Committee") is currently composed of Ms. Jirele (Chair) (who replaced Mr. White as Chair as of September 1, 2021), and Messrs. Gaumond and Walker. The function of the Executive Committee is to exercise the authority of
              the Board between meetings of the Board, with the exceptions set forth in Allianz Life of New York's By-Laws. The Executive Committee did not meet in 2021.
The Audit and Evaluation Committee of the
              Board is currently composed of Ms. Goss (Chair) and Messrs. Clark and Walker. The Audit and Evaluation Committee is responsible for recommending the selection of independent certified public accountants, reviewing Allianz Life of New York's
              financial condition and the scope and results of the independent audit and any internal audit, nominating candidates for director, evaluating the performance of principal officers deemed by the Audit and Evaluation Committee to be principal
              officers of Allianz Life of New York and recommending to the Board of Directors the selection and compensation of such principal officers and any plan to issue options to its officers and employees for the purchase of shares of stock. The
              Audit and Evaluation Committee met two times in 2021.
The Conflict of Interest Committee of the
              Board is currently composed of Ms. Jirele (Chair) (who replaced Mr. White as Chair as of September 1, 2021), and Mss. Cepek and Goss. The Conflict of Interest Committee assists Allianz Life of New York in addressing ethics and conflict of
              interest matters. The Conflict of Interest Committee met once in 2021.
The Finance Committee of the Board is
              currently composed of Messrs. Gaumond (Chair), Clark and Thiel. The Finance Committee is responsible for exercising all the powers of the Board of Directors with respect to the investments of the funds of Allianz Life of New York. The Finance
              Committee met two times in 2021.
Independence of Certain Directors
Allianz Life of New York is
              not subject to the independence standards of the New York Stock Exchange or any other national securities exchange, but is subject to the independence standards set out in New York Insurance laws and the Model Audit Rule. Applying the
              independence standards of the Model Audit Rule to the current members of Allianz Life of New York's Board of Directors, as well as the members that served on Allianz Life of New York's Audit and Evaluation Committee during 2021, the Board of
              Directors has determined that Ms. Goss and Messrs. Clark and Walker are "independent" under those standards.
Code of Ethics
All of our officers and employees, including our
            Chief Executive Officer, President, Chief Financial Officer and Controller, are subject to Allianz Life of New York's Code of Ethics.
Executive Compensation
Compensation
              Discussion and Analysis
In this section, we provide an overview of the
            goals and principal components of our executive compensation program and describe how we determine the compensation of our "Named Executive Officers" or "NEOs." Allianz Life of New York is a subsidiary of Allianz Life. Each of our NEOs is
            employed by both Allianz Life of New York and Allianz Life. Our NEOs are compensated directly by Allianz Life. Allianz Life charges Allianz Life of New York an allocated percentage of each NEO's compensation. The allocated percentage of
            compensation charged to Allianz Life of New York for our NEOs
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during the year ended
              December 31, 2021 is set forth below and hereafter referred to as the "Allocation Percentages." For 2021, our NEOs were:
Name
(1)
Title
Allocation Percentages
Walter R. White
Chair and Chief Executive Officer
5.00%
Jasmine M. Jirele
Chair and Chief Executive Officer
2.50%
William E. Gaumond
Chief Financial Officer and Treasurer
5.00%
Neil H. McKay
Chief Actuary
5.00%
(1)
Our two most highly paid executive officers other than our principal executive officer and principal financial officer are not included as NEOs for 2021 because their total compensation allocable to Allianz Life of New
                      York did not exceed the $100,000 threshold established by SEC rules.
The details of each NEO's compensation may be
            found in the Summary Compensation Table and other compensation tables included in this Executive Compensation section.
Executive
              Summary
Our NEOs are also officers of Allianz Life, our
            parent company, and are not paid additional compensation for serving as executive officers of Allianz Life of New York. Instead, our NEOs are paid directly by Allianz Life with a certain portion of their Allianz Life compensation allocated to
            Allianz Life of New York, which allocation is reviewed and approved by our Audit and Evaluation Committee with respect to those NEOs that are also the NY Principal Officers. The "NY Principal Officers" are the Chief Executive Officer,
            President, Chief Legal Officer, and Secretary, Chief Administrative Officer and Chief Financial Officer and Treasurer. Therefore, our parent company, Allianz Life, establishes our NEOs' compensation programs with our Audit and Evaluation
            Committee reviewing and approving the compensation allocations to Allianz Life of New York with respect to our NY Principal Officers. Allianz Life's compensation programs are intended to align our NEOs' interests with those of our ultimate
            stockholder, Allianz SE, the ultimate parent company of Allianz Life and Allianz Life of New York. Allianz Life's compensation programs are designed to reward performance that meets or exceeds the goals established by the Compensation
            Committee, a management committee of Allianz Life. Allianz Life is tasked with establishing the executive compensation philosophy. In line with Allianz Life's compensation philosophy described below, the total compensation received by our NEOs
            will vary based on individual and corporate performance in light of annual and long-term performance goals. Our NEOs' total compensation is composed of a mix of annual base salary, annual cash awards based on corporate objectives and executive
            performance factors and long-term equity incentive awards in the form of restricted stock units of the equity securities of Allianz SE.
Compensation
              Philosophy and Strategy
Overview
The overriding goal of Allianz Life's executive
            compensation programs is to attract, retain and motivate top-performing executive officers who will dedicate themselves to long-term financial and operational success. To this end, Allianz Life has structured the executive compensation programs
            to foster a pay-for-performance management culture by:
•
providing total compensation opportunities that are competitive with the levels of total compensation available at the large diversified financial services companies with which Allianz Life most directly competes in the
                    marketplace;
•
setting performance metrics and objectives for variable compensation arrangements that reward executives for attaining both annual targets and long-term business objectives, thereby providing individual executives with
                    the opportunity to earn above-average compensation by achieving above-average results;
•
establishing equity-based arrangements that align executives' financial interests with those of Allianz SE by ensuring executives have a material financial stake in the equity value of Allianz SE and the business success
                    of its affiliates; and
•
structuring compensation packages and outcomes to foster internal pay equity.
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Compensation Components
To support this pay-for-performance strategy,
            Allianz Life's total compensation program provides a mix of compensation components that bases the majority of each executive's compensation on their success and on an assessment of each executive's overall contribution to that success.
Compensation Element
Description
Objective
Base Salary
Fixed rate of pay that compensates employees for fulfilling their basic job responsibilities. For NEOs, increases are
                    generally provided in the case of a significant increase in responsibilities or a significant discrepancy versus the market.
Attract and retain high-caliber leadership.
Annual Incentive Plan
Incentive compensation that promotes and rewards the achievement of annual performance objectives through awards under the
                    Allianz Life Annual Incentive Plan ("AIP").
• Link compensation to annual performance results.
• Attract and motivate high-caliber leadership.
• Align the interests of NEOs and our stockholder.
Performance-Based Equity Incentives
Incentive compensation through restricted stock unit awards made under the Allianz Equity Incentive Plan ("AEI") that promotes
                    and rewards the achievement of long term performance objectives.
• Retain high-caliber leadership with multi-year vesting.
• Align the interests of NEOs and our stockholder.
Severance Arrangements
Severance payments to employees, including NEOs, under certain company-initiated termination events.
Compensate employees for situations where the employee's employment is involuntarily terminated in a qualifying termination of employment.
Perquisites-Benefits
Perquisites provided to our NEOs include employer matching contributions to the NEOs' accounts in the 401(k)
                    plan and may also include the payment of life insurance premiums, relocation reimbursements, and reimbursements for financial planning, tax preparation services, and spousal travel expenses.
Provide market competitive total compensation package.
In addition, Allianz Life offers all employees,
            including our NEOs, broad-based benefits, including comprehensive medical, dental and vision insurance, group term life insurance and participation in a 401(k) plan.
How
              Compensation Decisions Are Made
Role of the Board of Directors and Compensation
            Committee
The framework governing the executive
            compensation policies for Allianz Life, which directly compensates the executives of Allianz Life of New York, except as such policies relate to the compensation for the Chief Executive Officer, is set through the Compensation Committee of
            Allianz Life. Decisions affecting the compensation of the Chief Executive Officer are outside the scope of the Allianz Life Compensation Committee. Any such decisions are made by Allianz SE, subject to review by the Nomination, Evaluation and
            Compensation Committee of the Allianz Life Board of Directors (the "NEC Committee"), and final approval by Allianz Life's Board of Directors. With respect to the compensation of other "principal officers" selected by the Board for purposes of
            the duties of the NEC Committee under Minn. Stat. § 60D.20, subd. 3(d), the Compensation Committee's decisions are similarly subject to review by the NEC Committee and final approval by Allianz Life's Board. The "principal officers" include the
            Chief Executive Officer, Chief Financial Officer, and General Counsel. Allianz Life's Board has delegated the following responsibilities to the Compensation Committee:
•
In general, establish the compensation philosophy and strategy of Allianz Life and oversee the development and implementation of compensation, benefit, and perquisite programs for corporate executives consistent with the
                    principles of ensuring that leadership is compensated effectively in a manner consistent with the stated compensation strategy, internal equity considerations, competitive practices, shareholder interests, and the requirements of any
                    applicable regulatory bodies in order to attract and retain high-quality leadership. This responsibility includes periodic review of Allianz Life's compensation programs to pursue certain goals, with the expectation that changes will be
                    made periodically to ensure these goals are attained.
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•
Review and approve the establishment of, or material modification to, any executive incentive compensation plans or programs for Allianz Life.
•
Review and approve any special benefits or perquisites in effect for, or offered to, any prospective, current or former Allianz Life employee, regardless of the employee's level or assignment within Allianz Life. Such
                    benefits and perquisites are those that are unusual or different from the benefits offered to all similarly-situated employees.
•
Review and approve any employment agreements proposed to be made with any prospective or current employee of Allianz Life.
•
Review and approve any individual severance agreement with any Allianz Life officer. This does not include an arrangement where the employee receives severance or incentive payments under existing terms of a broad-based
                    benefit or compensation plan.
•
Oversee Allianz Life's compliance with regulations with respect to compensation matters and adopt and monitor adherence to global and local process requirements and timelines, including those required
                    under the Corporate Rules (as defined under the Allianz Life Standard for Corporate Rules) mandated by Allianz SE.
The Compensation Committee will at all times be
            composed of at least three members who are appointed by the full Board of Directors of Allianz Life. The Compensation Committee currently consists of the following members: the Chair of the Board, the Chief Executive Officer, and the Chief
            Human Resources Officer. The Compensation Committee also utilizes internal personnel to provide advice to the Compensation Committee regarding market trends in compensation policies at competing companies and on a more macro level.
Following its review and decision, the
            Compensation Committee produces and submits a report on executive compensation to Allianz Life's Board of Directors at its request. With respect to the compensation of "principal officers" selected by Allianz Life's Board for purposes of the
            duties of the NEC Committee under Minnesota Statutes § 60D.20, subd. 3(d), the Compensation Committee produces and submits a report on executive compensation proposed for the designated "principal officers" to the NEC Committee for its review
            and recommendation to Allianz Life's Board for final approval.
Role of the Chief Executive Officer
Our Chief Executive Officer
              assists the Compensation Committee in its review of the total compensation of all the NEOs except themself. The Chief Executive Officer provides the Compensation Committee with their assessment of the NEOs' respective performance relative to
              the corporate and individual goals and other expectations set for them for the preceding year. The Chief Executive Officer then provides their recommendation for each NEO's total compensation and the appropriate goals for each NEO in the year
              to come. However, the Compensation Committee is not bound by the Chief Executive Officer's recommendations.
Role of Allianz Life's Human Resources
Allianz Life's Human Resources supports the
            Compensation Committee on executive compensation matters by being responsible for many of the organizational and administrative tasks that underlie the compensation review and determination process and making presentations on various topics.
            Allianz Life's Human Resources efforts include, among other things:
•
evaluating the compensation data from industry groups, national executive pay surveys, and other sources for the NEOs and other executive officers as appropriate;
•
gathering and correlating performance ratings and reviews for individual executive officers, including the NEOs;
•
reviewing executive compensation recommendations against appropriate market data and for internal consistency and equity; and
•
reporting to, and answering requests for information from, the Compensation Committee.
Allianz Life's Human Resources officers also
            coordinate and share information with their counterparts at Allianz SE.
Use of
              Competitive Compensation Data
Because Allianz Life competes most directly for
            executive talent with other large diversified financial services companies, Allianz Life regards it as essential to regularly review the competitiveness of the total compensation programs for executives to ensure that Allianz Life provides
            compensation opportunities that compare favorably with the levels of total compensation offered to similarly situated executives by other companies that participate in the compensation surveys in which Allianz Life participates. Allianz Life
            relies primarily on external market surveys of corporate compensation and
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benefits published by various national compensation consulting
            firms, especially salary surveys focusing on insurance companies. In addition, other factors taken into account include the average revenues and number of employees of companies that participate in such surveys.
All these information sources are employed to
            measure and compare actual pay levels not only on an aggregate, total compensation basis, but also to break down the total compensation program component by component to review and compare specific compensation elements as well as the
            particular mixes of fixed versus variable, short-term versus long-term, and cash versus equity-based compensation at the surveyed companies. This information, as collected and reviewed by Allianz Life's Human Resources, is submitted to the
            Compensation Committee for review and discussion.
Internal Pay Equity Analysis
Allianz Life's compensation programs are designed
            with the goal of providing compensation to our NEOs that is fair, reasonable, and competitive. To achieve this goal, Allianz Life believes it is important to compare compensation paid to each NEO not only with compensation paid by the surveyed
            companies, as discussed above, but also with compensation paid to each of our other NEOs. Such an internal comparison is important to ensure that compensation is equitable among our NEOs.
Components
              of Total Compensation For Our NEOs
Allianz Life provides total compensation to our
            NEOs that consists of several components. These components include the three components of the total compensation program (i.e., base salary, annual incentives, and equity) as well as: (i) retirement, health, and other benefit programs; (ii)
            severance benefits; and (iii) perquisites.
Base Salary
Allianz Life's philosophy is to make base salary
            a relatively small portion of the overall compensation package for our NEOs, which Allianz Life believes is common in the industry in which we operate. The amount of the base salary awarded to NEOs is based on the position held, the NEO's
            tenure, the scope of the position's responsibilities, and the NEO's own performance, all of which are reviewed with the aid of market survey data. Using this data, Allianz Life maintains a 50th percentile pricing philosophy, comparing base
            salaries against the median for comparable salaries at surveyed companies, unless exceptional conditions require otherwise.
With respect to the base
              salary of our Chief Executive Officer, the Chair of the Board considered the Chief Executive Officer's experience, performance, and contribution to overall corporate performance when determining their base salary for 2021 for recommendation
              to the NEC Committee. Base salaries for our other NEOs for 2021 were also set by the Compensation Committee based upon each NEO's individual experience and contribution to the overall performance of Allianz Life, and subject to Allianz SE
              Compensation Committee reviews and, with respect to the base salaries of "principal officers" selected by Allianz Life's Board of Directors for purposes of the duties of the NEC Committee under Minnesota Statutes § 60D.20, subd. 3(d), subject
              to NEC Committee review and recommendation to Allianz Life's Board for final approval.
AIP
Allianz Life offers annual cash bonuses to
            certain executive officers under the AIP. The AIP is designed to improve performance and profitability by motivating employees to accomplish organizational objectives and financial goals. Bonus awards that may be paid pursuant to the AIP are
            within the sole discretion of the Compensation Committee, and with respect to our CEO, the Chair of the Board, and are intended to:
•
reward the performance of participants who have made significant contributions to the achievement of annual goals and objectives;
•
provide an incentive that will encourage future superior individual performance; and
•
encourage the retention of employees who have demonstrated exceptional performance and/or are anticipated to significantly contribute to the long-term success of Allianz Life.
Following the performance year, the Compensation Committee approved a specific amount of cash awards to be made pursuant to the AIP to executive officers, including our NEOs, for the 2021 performance year. The amount determined to be
              available for such awards was at the discretion of the Compensation Committee and was dependent upon many factors as outlined previously, including, but not limited to, current financial performance and contributions of our NEOs in achieving
              performance objectives, and with respect to the awards to the "principal officers" selected by Allianz Life's Board for purposes of the duties of the NEC Committee under Minnesota Statutes § 60D.20, subd. 3(d), subject to NEC Committee review
              and recommendation to Allianz Life's Board for final approval.
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AEI
The AEI is (a) one part of the variable
            compensation component for certain individuals within designated classes of employees at Allianz Life or (b) offered by Allianz Life to select senior employees as an additional part of their variable compensation on a case by case basis. The
            AEI is granted in the form of restricted stock units of Allianz SE ("RSUs"). The award of RSU's are intended to:
•
reward the performance of participants who have made significant contributions to the achievement of their company's annual goals and objectives,
•
provide an incentive that will encourage future superior individual performance, and
•
encourage the retention of employees who have demonstrated exceptional performance and/or are anticipated to significantly contribute to the long-term success Allianz.
Awards made pursuant to the
              AEI are based upon both the performance of Allianz Life and Allianz Life of New York and the performance of the NEO. The Compensation Committee (and, with respect to those NEOs that are "principal officers" for purposes of the NEC Committee's
              duties, the NEC Committee with final approval of Allianz Life's Board of Directors) reviewed the performance of our NEOs following the end of our 2021 fiscal year relative to the AEI allocation amount.
Benefit Perquisites
Allianz Life provides our
              NEOs with certain limited perquisites. All of our employees, including our NEOs, may participate in the qualified 401(k) plan. Allianz Life and Allianz Life of New York generally provide our executive officers, including our NEOs, with a
              matching contribution up to $21,750 annually. In addition, Allianz Life and Allianz Life of New York provide excess liability insurance coverage to all of our NEOs and provide financial planning and tax preparation services, relocation
              reimbursements, and reimbursements of spousal travel expenses to certain of our NEOs. The incremental costs of perquisites for the NEOs during 2021 are included in the column entitled "All Other Compensation" in the Summary Compensation Table
              included in this section.
Severance Arrangements
Allianz Life entered into an
              Executive Severance Agreement with our former President, and Chief Executive Officer, Walter R. White, which is described in the "Allianz Life Executive Severance Agreement" discussion later in this section. We have not entered into any other
              specific severance agreements with any of our NEOs.
The remainder of our NEOs are eligible for
            severance payments under the Executive Severance Plan if they experience a qualifying termination of employment and otherwise satisfy the conditions set forth in the plan.
Other than the Executive
              Severance Plan, which is described later in this section, our NEOs (except for Jasmine M. Jirele) are not eligible for severance payments. Certain of our executive officers receive offer letters which set forth the terms relating to base
              salary, sign-on incentives, and equity compensation. However, Allianz Life does not view these offer letters as employment agreements as each offer letter states that employment with Allianz Life is "at will."
Other
              Compensation Policies
Tax and Accounting Implications
Stock-Based
              Compensation
. Stock-based compensation, comprised of Allianz SE restricted stock units (RSUs) granted pursuant to the AEI, are accounted for in accordance with the requirements of Financial Accounting Standards Board Accounting
            Standards Codification ("FASB ASC") Topic 718. The fair value of the RSUs at grant is the arithmetic average of the closing prices of an Allianz SE share in the electronic cash market trading system Xetra (or any successor system) on that day
            and the nine immediately preceding trading days, less the present value of dividends expected to be paid on one Allianz SE share over the vesting period, and less the fair value of payout restrictions deriving from the vesting period and the
            payout cap.
Recently Discontinued Compensation Programs
The purpose of the ALTPUP was to advance the
            interests of Allianz Life, including Allianz Life of New York, and our indirect stockholder. The ALTPUP sought to accomplish this purpose by providing an incentive in addition to current compensation to certain individuals within designated
            classes of employees of Allianz Life who contribute significantly to their company's long-term performance. Such incentive was in the form of Long-Term Performance Units ("ALTPUP Units"), which were contingent awards, subject to the terms,
            conditions, and restrictions described in the ALTPUP and the Award Agreement under which such awards were made, by which participants in the ALTPUP may have become entitled to receive cash on the payment date for redemption of the ALTPUP Units
            valued on the valuation date. The award of
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ALTPUP Units was
              discretionary. In March 2020, the Group Compensation Committee determined all Allianz entities would move forward with the Allianz SE long term incentive program or AEI. As a result, the ALTPUP program has been discontinued and provided a
              final grant in March 2020 for 2019 performance. The final payout under the ALTPUP program is expected to occur in 2023.
Walter R. White, our former Chief Executive
              Officer, received cash awards pursuant to the terms of the Allianz SE Mid-Term Bonus Plan instead of the ALTPUP. Like the ALTPUP, the Mid-Term Bonus Plan has been discontinued, so the award with respect to 2019 performance was the final award
              made under the Mid-Term Bonus Plan.
Summary
              Compensation Table
The following table sets
              forth the compensation paid by Allianz Life for the year ended December 31, 2021 to our NEOs. The executive compensation information in this prospectus is shown for a one-year period.
Name and Principal
Position
(a)
Year
(b)
NY Allocation %
Salary
(c)
Bonus
(d)
Stock
Awards
(e)
(3)
Non-Equity
Incentive Plan Compensation
(g)
All Other
Compensation
(i)
(4)
Total
(j)
Walter R. White
Chair and Chief Executive Officer
2021
5.00%
$43,255
$15,000
$116,789
$77,859
$1,133
$254,036
Jasmine M. Jirele
(1,2)
Chair and Chief Executive Officer
2021
2.50%
$14,049
$ 9,750
$ 26,708
$17,805
$ 563
$ 68,874
William E. Gaumond
Chief Financial Officer and Treasurer
2021
5.00%
$23,795
$15,000
$ 38,548
$25,699
$1,122
$104,163
Neil H. McKay
Senior Vice President, Chief Actuary
2021
5.00%
$25,500
$ 2,500
$ 46,310
$27,540
$1,220
$103,070
(1)
Represents compensation paid during her time as Senior Vice President, Chief Growth Officer and President and Chief Executive Officer.
(2)
A retention bonus of $800,000 will be paid over four years in increments of $200,000 with the first payment paid in March 2019 and the final payment in 2022 so long as Ms. Jirele remains employed by Allianz Life.
(3)
Represents the grant date fair value of the RSUs issued pursuant to the AEI. The RSUs vest over a four-year period. The RSUs issued in 2022 for the 2021 performance year have a March 2026 exercise date. The grant price
                      of the RSUs was the arithmetic average of the closing prices of an Allianz SE share in the electronic cash market trading system Xetra (or any successor system) on the date of grant and the nine immediately preceding trading days,
                      less the present value of dividends expected to be paid on one Allianz SE share over the vesting period, and less the fair value of the payout restrictions deriving from the vesting period and the payout cap. These numbers show the
                      amount realized for financial reporting purposes as calculated in accordance with the FASB ASC Topic 718. Under FASB ASC Topic 718, the grant date fair value is calculated using the closing market price of the common stock of Allianz
                      SE on the date of grant, which is then recognized over the requisite service period of the award.
(4)
The following table provides additional details regarding compensation found in the "All Other Compensation" column.
Name
Year
Spousal
Travel
(5)
Milestone/
Anniversary/
Recognition
(6)
Life Insurance
Premiums
Employer Match
to 401(k) Plan
ASAAP
Contribution
(7)
Total
Walter R. White
2021
--
--
$46
$1,088
--
$1,133
Jasmine M. Jirele
2021
--
$ 9
$10
$ 488
$ 56
$ 563
William E. Gaumond
2021
--
--
$34
$ 975
$113
$1,122
McKay, Neil
2021
$10
$85
$37
$1,088
--
$1,220
(5)
Represents reimbursement or payments made to defray the costs of a spouse's travel.
(6)
Represents Milestone Anniversary Program, which pays a bonus at three and five year anniversaries, and then every five years thereafter.
(7)
Represents company matching contribution to the Allianz Supplemental Asset Accumulation Plan for deferrals in excess of IRS compensation limit.
Performance-Based
              Incentive Compensation Plans
AIP
The AIP is intended to provide an incentive that
            will encourage superior individual performance and encourage retention of employees who have demonstrated exceptional performance or who are anticipated to significantly contribute to long-term success. The AIP seeks to accomplish this purpose
            by providing a bonus opportunity to eligible employees who have made significant contributions during the plan year to the achievement of annual goals and objectives. The guidelines
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for target awards are meant to be illustrative of competitive
            market bonuses for similar job levels in the marketplace. While the target awards may be used for illustrative, budget planning, or distribution scenarios, all bonus awards are discretionary and are in no way guaranteed.
The Compensation Committee or other duly
            authorized committee determines allocation of bonus awards to employees. With respect to "principal officers" for purposes of the NEC Committee's duties, the NEC Committee recommends to Allianz Life's Board of Directors awards for final
            approval.
AEI
The AEI is designed to recognize the
            participant's continuous employment with Allianz Life over the relevant period and shall be an incentive to continue employment. Grants under the AEI will generally only be made if the participant is employed with Allianz Life at the date of
            grant. Payments will be made only if the participant remains employed with Allianz Life during the vesting period of the RSU, or leaves employment under circumstances set out in the AEI, including after retirement or early retirement
            eligibility, disability, or under certain other circumstances. The securities issuable under the AEI are RSUs. An RSU constitutes the right to receipt of the market value of Allianz SE common stock at the time of exercise. This amount will be
            paid in cash. RSUs are subject to a four-year vesting period. At the end of the four-year vesting period, the RSUs are exercised uniformly for all participants, provided they remain employed by Allianz Life, terminate after retirement or early
            retirement eligibility, or under certain other circumstances. Vesting and exercise may accelerate if a participant leaves employment under other "good leaver" circumstances set forth in the AEI. The grant at fair value cannot be greater than
            165% of a participant's target amount. The maximum value of an exercise is an increase of 200% over the grant value (i.e., 300% of the grant value).
Grants of
              Plan-Based Awards
The following table provides
              additional information about plan-based compensation disclosed in the Summary Compensation Table. This table includes both equity and non-equity awards granted for the year ended December 31, 2021, and charged to Allianz Life of New York
              based on the Allocation Percentage assigned to each NEO.
Name
(a)
Grant Date
(b)
Estimated Future Payouts Under Non-Equity Incentive Plan Awards
(1)
Estimated Future Payouts Under Equity Incentive Plan Awards
(2,3)
Threshold ($)
(c)
Target ($)
(d)
Maximum ($)
(e)
Threshold ($)
(f)
Target ($)
(g)
Maximum ($)
(h)
Walter R. White
3/4/2022
RSUs (under AEI)
$0
$77,859
$350,366
AIP Award
$0
$51,906
$77,859
Jasmine M. Jirele
3/4/2022
RSUs (under AEI)
$0
$21,073
$ 94,830
AIP Award
$0
$14,049
$21,073
William E. Gaumond
3/4/2022
RSUs (under AEI)
$0
$25,699
$ 115,644
AIP Award
$0
$17,132
$25,699
Neil H. McKay
3/4/2022
RSUs (under AEI)
$0
$27,540
$123,930
AIP Award
$0
$18,360
$27,540
(1)
The target and maximum columns show the target award and maximum award for 2021 for each NEO under the AIP. There is no threshold amount for any participant in the AIP. The actual 2021 awards granted to the NEOs are
                      listed in the Non-Equity Incentive Compensation column of the Summary Compensation Table. AIP target and maximum awards are a pre-designated percentage of base salary determined at the executive's level.
(2)
RSUs have a vesting schedule as disclosed in the footnotes to the Summary Compensation Table. See "Outstanding Equity Awards at December 31, 2021" for disclosure regarding the number of RSUs that are unvested as of
                      December 31, 2021.
(3)
The target and maximum columns show the target award and maximum award for 2021 for each NEO under the AEI. There is no threshold amount for any participant in the AEI. The actual 2021 awards granted
                      to the NEOs are listed in the Stock Awards column of the Summary Compensation Table.
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Outstanding Equity Awards at December 31, 2021
The following table sets forth the outstanding
              equity awards at the December 31, 2021 fiscal year-end. The table shows RSUs granted pursuant to the AEI, based on the Allocation Percentage assigned to each NEO.
Name
(a)
RSUs
Number of RSUs
That Have Not
Vested
(g)
(1,2)
Market Value of
RSUs That Have
Not Vested
(h)
(3)
Walter R. White
351.500
$81,896
261.950
$61,032
304.850
$71,027
406.950
$94,815
Jasmine M. Jirele
0.000
$ 0
73.350
$17,090
94.300
$21,971
120.350
$28,040
William E. Gaumond
101.950
$23,753
76.900
$17,917
97.400
$22,693
123.150
$28,693
Neil H. McKay
110.150
$25,664
86.550
$20,165
106.150
$24,732
125.150
$29,159
(1)
Represents unvested RSUs issued pursuant to the AEI. RSUs issued under the AEI during 2021 are subject to a four-year vesting period from the grant date. At the end of the respective vesting period, the RSUs are
                      exercised uniformly for all participants, provided they remain employed by Allianz Life or terminate after retirement or early retirement eligibility, or under certain other circumstances. Vesting and exercise may accelerate if a
                      participant leaves employment under other "good leaver" circumstances set forth in the AEI.
(2)
For each of the NEOs, the number of RSUs listed on the first line were exercised in 2022, the RSUs listed on the second line will exercise in 2023, the RSUs listed on the third line will exercise in 2024, and the RSUs
                      listed on the fourth line will exercise in 2025.
(3)
Based on an assumed stock price of $232.99 per share, which was the arithmetic average of the closing prices of an Allianz SE share in the electronic cash market trading system Xetra (or any
                      successor system) on December 30, 2021 and the nine immediately preceding trading days, converted from Euros into U.S. dollars.
Allianz SE Option Exercises and Stock Grants Vested in 2021
The following table summarizes the value
              received from Allianz SE stock grants vested during the year ended December 31, 2021, and charged to Allianz Life of New York based on the Allocation Percentage assigned to each NEO.
Name
Stock Awards
Number of
Shares
Acquired
on Vesting (#)
Value Realized
on Vesting ($)
(1)
Walter R. White
408.050
100,227
Jasmine M. Jirele
0.000
-
William E. Gaumond
72.600
17,832
Neil H. McKay
127.500
31,317
(1)
Represents Allianz SE RSUs that were exercised during 2021 pursuant to the AEI. Amounts realized were paid in cash.
Allianz
              Life Executive Severance Agreement
Allianz Life entered into an
              Executive Severance Agreement with its former Chief Executive Officer, Walter R. White, with an expiration date of December 31, 2021. The severance arrangements for Mr. White were prescribed by the Executive Severance Agreement.
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Pursuant to the Executive Severance Agreement, Mr. White was entitled to a lump sum cash payment of $86,510 upon separation based on the allocated percentage of compensation charged to Allianz Life of New York upon separation in the event
              he was terminated without "cause", which is defined as engaging in conduct detrimental to the best interests of the Company (including, but not limited to, certain specified acts such as commission of a felony, theft, dishonesty, fraud or
              embezzlement) in the Executive Severance Agreement. In addition, pursuant to the Executive Severance Agreement, Mr. White was also bound by other restrictive covenants, including covenants relating to confidentiality and non-disparagement.
              Mr. White would also be entitled to continuation of medical and dental coverage at the employee premium rates for a period of 18 months following termination if Mr. White timely elected continuation and paid the required premiums.
The remainder of our NEOs are eligible for
            severance payments under the Executive Severance Plan if they experience a qualifying termination of employment and otherwise satisfy the conditions set forth in the applicable plan. The terms of this plan are set forth below.
Executive
              Severance Plan
Executive officers who have the title of Senior
            Vice President or above and report directly to a senior executive officer at a specific level are eligible to receive severance benefits under the Executive Severance Plan if they experience a qualifying termination of employment, meaning an
            involuntary termination for any reason other than for "cause" with no offer of an equivalent position, and otherwise satisfy the conditions set forth in the plan. The purpose of the Executive Severance Plan is to provide severance benefits to
            executive officers whose employment is involuntarily terminated in a qualifying termination of employment in order to assist with job transition. Pursuant to the Executive Severance Plan, eligible executive officers who are involuntarily
            terminated in a qualifying termination of employment will receive a lump sum cash payment equal to one and one-half times their "annual base pay" in effect at the time of termination. Annual base pay, for purposes of this agreement, equals base
            salary and excludes special payments, such as bonuses, expense reimbursements, living, or other allowances. Eligible executive officers would also be entitled to continuation of medical and dental coverage at employee premium rates for a period
            of 18 months following termination, if the executive officer timely elects continuation coverage and pays the required premiums.
The following table shows
              the portion of the lump sum payments that would have been allocated to Allianz Life of New York based on each NEO's Allocation Percentage and payable to each of our NEOs had they been terminated on December 31, 2021 and been eligible for
              severance payments pursuant to the Executive Severance Plan.
NEOs
Lump Sum Payment
Walter R. White
(1)
$86,510
Jasmine M. Jirele
$28,125
William E. Gaumond
$35,693
Neil H. McKay
$38,250
(1)
Mr. White is not eligible to receive payments pursuant to the Executive Severance Plan. See "Allianz Life Executive Severance Agreement" for information regarding severance payments that Mr. White is eligible to receive
                    upon termination of service.
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Director
              Compensation
The following table provides
              information on compensation paid to the directors of Allianz Life of New York for the year ended December 31, 2021.
Name
(a)
Fees Earned or
Paid in Cash
($)
(1)
(b)
Total
($)
(h)
Jasmine M. Jirele
(2)
Chair and Chief Executive Officer
N/A
N/A
William E. Gaumond
(2)
Chief Financial Officer and Treasurer
N/A
N/A
Eric J. Thomes
(2)
President
N/A
N/A
Steven J. Thiel
(2)
Vice President, Appointed Actuary
N/A
N/A
Lorraine Lods
(2)
Non-Independent Director
N/A
N/A
Ronald M. Clark
Independent Director
$30,000
$30,000
Martha Clark Goss
Independent Director
$45,000
$45,000
Gary A. Smith
Non-Independent Director
$30,000
$30,000
Kevin E. Walker
Independent Director
$30,000
$30,000
(1)
Represents cash compensation provided to our non-employee directors that is formalized in the Non-Employee Director Compensation Plan for the year ended December 31, 2021.
(2)
As inside directors, Mss. Jirele and Lods, and Messrs.Gaumond, Thomes, and Thiel do not receive any compensation for their service as directors. The compensation Ms. Jirele and Mr. Gaumond received
                      as executive officers of Allianz Life of New York is disclosed in the Summary Compensation Table as set forth herein.
Security Ownership of Certain Beneficial Owners
            and Management
We are an indirect wholly owned subsidiary of
            Allianz SE. Allianz SE's principal executive offices are located at Königinstrasse 28, 80802 Munich, Germany. As of March 31, 2021, the directors and executive officers of Allianz Life of New York held less than 1% of Allianz SE's ordinary
            shares issued and outstanding.
Transactions with Related Persons, Promoters and
            Certain Control Persons
We are a wholly owned subsidiary of Allianz Life,
            which is a wholly owned subsidiary of AZOA, which in turn is a wholly owned subsidiary of Allianz Europe B.V. Allianz Europe B.V. is a wholly owned subsidiary of Allianz SE, our ultimate parent, which is registered in Munich, Germany.
Transactions with affiliates may not be on an
            arm's-length basis and may present the potential for conflicts.
Business and Operational Risks Relevant to the
            Contract
As an insurance company, a number of risks may
            affect our business. However, because the Contract (and any other insurance contract that we offer) is a regulated insurance product, as opposed to an investment in our business, many of the risks that may be relevant to an investor in our
            business are unlikely to be relevant to you. The risks described below are only those business and operational risks that are likely to be relevant to you as a purchaser of the Contract.
Risks
              Primarily Related to Our Financial Strength and Claims-Paying Ability
We make Annuity Payments,
              pay death benefits, and apply Performance Credits for this Contract from our general account. We also pay benefits for other insurance contracts from our general account, and our general account is subject to claims by our creditors. Our
              ability to make payments from our general account is subject to our financial strength and claims-paying ability. The following risks relate to circumstances and events that may negatively affect our general account and, in turn, our
              financial strength and claims-paying ability.
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Financial losses may threaten our financial
            strength and claims-paying ability.
As an Owner of the Contract, you do not share in
            the profits and losses generated by our business. However, if we were to experience significant losses, we might not have sufficient assets in our general account to satisfy all of our financial obligations under the Contract. Circumstances and
            events that may result in financial losses include, but are not necessarily limited to, the circumstances and events listed below. We cannot predict what specific impact that any of these circumstances or events may ultimately have on our
            financial strength or claims-paying ability.
•
Difficult Economic Conditions.
Our financial condition is materially affected by conditions in the global capital markets and the economy generally. During an economic downturn,
                        the demand for our financial insurance products and services could be adversely affected. In addition, an economic downturn could cause the number and amount of full and partial withdrawals under our insurance products to increase
                        significantly, and owners of our insurance products may choose to defer making purchase payments or paying insurance premiums or stop them altogether.
•
Unfavorable Interest Rate Environments.
During periods of declining interest rates, we may experience financial losses as the spread between interest rates
                        that we credit to customers under our insurance products and returns on our investments tighten. The ongoing low interest rate environment presents challenges for us and other life insurance companies, as it has generally reduced
                        investment returns, raised the value of future obligations, and challenged asset-liability matching. During periods of increasing interest rates, we may experience financial losses due to increases in full and partial withdrawals
                        under our insurance products as our customers choose to forgo insurance protection in favor of potentially higher returns. Although we take measures to manage economic risks associated with different interest rate environments, we
                        may not be able to fully mitigate those risks.
•
Losses on Fixed Maturity Investments.
Our fixed maturity investments are subject to interest rate risk and credit risk. Interest rate risk refers to how the values of our fixed maturity
                      investments fluctuate in response to changes in market interest rates. Increases and decreases in prevailing interest rates generally result in decreases and increases, respectively, in the values of our fixed maturity investments.
                      Credit risk refers to the risk that a counterparty will default on its commitments to us under a fixed maturity investment. See "Defaults by Counterparties" below.
•
Losses on Equity Investments.
Our equity investments are generally valued based on quoted market prices and are subject to market risk. Market risk refers to how market
                      prices for equity investments are subject to fluctuation. A downward fluctuation in the market price for an equity investment could result in losses upon the sale of that investment. Fluctuations in market prices may result from,
                      among other things, actual or perceived changes in the attractiveness of specific investments or in general market conditions.
•
Losses on Real Estate Investments.
A portion of our investment portfolio consists of mortgage loans and mortgage-backed securities related to commercial, agricultural and
                        residential real estate. The value of our real estate investments may be negatively impacted by general economic conditions in the real estate sector, including supply and demand, market volatility, interest rate fluctuations, and
                        geographic and extreme weather risks, as well as the creditworthiness of obligors.
•
Losses upon the Sale of Illiquid Investments.
We hold certain investments that may lack liquidity, such as privately placed fixed maturity investments, mortgage loans, collateralized debt
                      obligations, commercial mortgage-backed securities, equity real estate and limited partnership interests. Although we seek to minimize the likelihood that we would need to sell illiquid investments, if we were required to liquidate
                      these investments on short notice, we may have difficulty doing so and may be forced to sell them for less than their fair value.
•
Prolonged and Elevated Inflationary Periods.
During inflationary periods, the value of our fixed maturity investments may fall, see Losses on Fixed Maturity Investments above.
                        Inflation also increases expenses, which will negatively impact our financial condition in the event that such additional costs cannot be offset. Prolonged and elevated inflation could adversely affect the financial markets and the
                        economy generally, and dispelling it may require governments to pursue a restrictive fiscal and monetary policy, which could constrain overall economic activity and our growth.
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•
Loss of Market Share to Competitors.
There is strong competition among insurers, banks, brokerage firms and other financial institutions and providers seeking clients for the
                        types of products and services that we provide. A loss of market share to our competitors could result in financial losses to our business. Our ability to successfully compete is dependent on numerous factors, some of which include
                        the successful implementation of our business strategy, our financial strength, the attractiveness of our products and services, our relationships with distributors, and our reputation. Our ability to compete may also be hindered if
                        our competitors obtain or seek to enforce intellectual property rights against us, or if we are otherwise precluded from offering products or services that are in demand. Our ability to compete may also be hindered if we are not
                        able to protect or enforce our own intellectual property rights. Recently, the New York Department of Financial Services ("NYDFS"), the regulatory authority for the insurance industry in New York, introduced amendments to its
                        Regulation 47 that would set forth new requirements for registered index-linked annuities offered and sold in New York. The introduction of these amendments is expected to significantly increase our competition in New York for sales
                        of registered index-linked annuities. In addition, the amendments prescribe certain terms and conditions for registered index-linked annuities offered and sold in New York. Changes to our annuity sales platform to comply with the
                        amendments could substantially increase our costs.
•
Defaults by Counterparties.
Third-parties that owe us money, securities, or other assets may not fulfill their obligations to us. These parties may include
                        issuers of investments that we may hold, borrowers under loans that we may hold or extend, reinsurers, counterparties under swap and other derivative contracts and other third-parties (e.g., customers, trading counterparties,
                        brokers, dealers, banks, investment funds, clearing agents, exchanges and clearing houses). In addition, with respect to secured transactions, the risk of default may be exacerbated when the collateral held by us cannot be
                        liquidated or is liquidated at a price that is not sufficient to cover the full amount owed to us. A party may default on its obligations for a variety of reasons, including bankruptcy, lack of liquidity, downturns in the economy or
                        real estate market and operational failure. General economic conditions and trends may also result in increased defaults.
•
Impairments of Other Financial Institutions.
We routinely execute transactions with counterparties in the financial services industry, including brokers, dealers, commercial banks,
                      investment banks, insurers, reinsurers and other investment and financial institutions. A disruption to, or decline in the financial condition of, such financial institutions may expose us to financial losses.
•
Payments through Guaranty Associations.
When an insurance company becomes insolvent, state insurance guaranty associations have the right to assess other insurance companies doing business
                      in their state for funds to pay obligations to policyholders of the insolvent company, up to the state-specified limit of coverage. The future failure of a large life, health or annuity insurer could trigger assessments which we would
                      be obligated to pay. Further, amounts for historical insolvencies may be assessed over many years, and there can be significant uncertainty around the total obligation for a given insolvency.
•
Ineffectiveness of Risk Management Policies.
Our risk management policies and procedures intended to identify, monitor and manage economic risks may not be fully
                      effective at mitigating our risk exposure in all market environments or against all types of risk. This could cause us to incur investment losses or cause our hedging and other risk management strategies to be ineffective.
•
Impacts of Climate Change.
We are exposed to economic risks related to climate change. Our financial condition could be negatively impacted by increased costs, or financial
                        losses on investments, arising from various events related to climate change, such as changes in public policy (either contributing to the adverse effects of climate change or promoting adaption to climate change), short-term or
                        long-term market distributions, changes in mortality/morbidity assumptions, changes in consumer behavior, business disruptions, extreme weather events, litigation, increased regulatory requirements, advancements in technology, and
                        longer-term shifts in climate patterns. Climate change could also impact the types of assets in which we invest. For example, as the transition to a lower-carbon, more energy-efficient economy continues, regulators could require us
                        (or we could voluntarily choose) to invest less in carbon-based industries, even though investments in carbon-based industries may have better returns in the short or long term. In addition, real estate investments may expose us to
                        greater climate change risk, as climate change may negatively impact market prices or supply and demand, and may make extreme weather events more likely or frequent. Further, we may not be able to adequately predict and mitigate
                        climate-change risk due to significant uncertainty and unknowns regarding the manifestations and timing of climate-change-driven events, absence of adequate historical data that captures this risk and the dependency of this risk on
                        the extent of the actions taken in the short term by governments, corporations and communities around the world.
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Changes in applicable law may negatively affect
            our financial strength and claims-paying ability.
We are subject to detailed
              and comprehensive regulation and supervision in New York by the NYDFS. The NYDFS has broad administrative powers with respect to all aspects of the insurance business and, in particular, monitors the manner in which an insurance company
              offers, sells and administers its products. Therefore, we may from time to time be subject to a variety of legal and regulatory actions relating to our current and past business operations and practices. Our operations, products and services
              are subject to varying other state and federal laws. In addition, our operations, products and services are regulated by various regulatory authorities and self-regulatory authorities including state insurance departments, state securities
              administrators, state banking authorities, the Securities and Exchange Commission, the Financial Industry Regulatory Authority, the Internal Revenue Service, the Department of Labor, and the U.S. Commodity Futures Trading Commission.
Changes to federal and state laws and regulations
            may materially affect the way in which we conduct our business. We are faced with significant challenges due to the fact that our regulatory environment is evolving rapidly. Federal and state governments, including federal and state regulatory
            authorities, have become increasingly active in the regulation of the businesses in which we engage. In addition, federal and state regulatory authorities are assuming active, and in some cases increasingly aggressive, roles in interpreting and
            enforcing laws and regulations related to our business. We cannot predict the potential effects that any new laws or regulations, changes in existing laws or regulations, or the interpretation or enforcement of laws or regulations may have on
            our business, but such changes may negatively affect our financial strength and claims-paying ability.
The Securities and Exchange
              Commission has recently adopted new rules effective on June 30, 2020 (i) imposing a "best interest" standard of care on broker-dealers making recommendations to their customers and (ii) requiring broker-dealers and investment advisers to
              provide a written summary of the relationship between a broker-dealer or investment adviser, as applicable, and its customer. These new rules became effective on June 30, 2020. It remains unclear whether or to what extent these rules, and the
              evolving nature of the enforcement and interpretation of these rules by the Securities and Exchange Commission, could ultimately affect broker-dealers' willingness to recommend our registered annuity products. These rules could increase, and
              to some extent have increased, our overall compliance costs and could also increase our exposure to legal claims in certain circumstances, including an increased risk of regulatory enforcement actions or potentially private claims.
The NYDFS, the regulatory authority for the
              insurance industry in New York, has adopted revisions to its Insurance Regulation 187, a regulation that imposes suitability requirements on annuity and life insurance recommendations by producers and insurers subject to New York law. Under
              the amendments to Regulation 187, recommendations of and related to annuity contracts will be subject to a best interest standard and other additional obligations. These revisions became effective for annuity recommendations on August 1, 2019
              and for life insurance recommendations on February 1, 2020. Regulation 187 is now the subject of litigation, as the NYDFS is appealing a finding of the Appellate Division of the New York State Supreme Court, Third Department, that Regulation
              187 is unconstitutionally vague. Regulation 187 will remain effective during the course of the appeal. These changes could have an adverse impact on the level and type of services provided and compliance with Regulation 187 could also
              increase our overall operational costs for providing some of the services currently provided. These changes may lead to greater exposure to legal claims in certain circumstances, including an increased risk of NYDFS-related actions.
Our reserves could be inadequate due to differences
            between our actual experience and management's estimates and assumptions.
We establish and carry reserves to pay future
            benefits and claims of policyholders. Our reserve are calculated based on a number of estimates and assumptions, including estimates and assumptions related to future mortality, morbidity, interest rates, future equity performance, reinvestment
            rates, persistency, claims experience, and policyholder elections (i.e., the exercise or non-exercise of policy benefits). The assumptions and estimates used in connection with the reserve estimation process are inherently uncertain, involve
            the exercise of significant judgment and reflect evolving information. For example, the current rates of mortality and morbidity may continue to improve in the future due to medical and technological advancements that result in policyholders
            living longer than anticipated. We periodically review the adequacy of reserves and the underlying assumptions and make adjustments when appropriate. We cannot, however, determine with precision the amounts that we will pay for, or the timing
            of payment of, actual benefits and claims or whether the assets supporting the policy liabilities will grow to the level assumed prior to payment of benefits or claims. If actual results differ significantly from our estimates and assumptions,
            our claim costs could increase significantly and our
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reserves could be inadequate. If so, we will be required to
            increase reserves or accelerate amortization of deferred acquisition costs. However, we cannot be certain that our reserves will ultimately be sufficient to pay future benefits and claims of policyholders.
The amount of statutory capital that we must hold
            to meet our statutory capital requirements can vary significantly from time to time.
Statutory accounting standards and capital and
            reserve requirements are prescribed by NYDFS and the National Association of Insurance Commissioners. The NYDFS established regulations that govern reserving requirements and provide minimum capitalization requirements based on risk-based
            capital ("RBC") ratios for life insurance companies. In any particular year, statutory surplus amounts and RBC ratios may increase or decrease depending on a variety of factors, including but not limited to, the amount of statutory income or
            losses that we generate, changes in reserves, the amount of additional capital that we must hold to support business growth, changes in equity market levels, the value of certain fixed-income and equity securities in our investment portfolio,
            changes in interest rates, and changes to existing RBC formulas. Additionally, state insurance regulators have significant leeway in interpreting existing regulations, which could further impact the amount of statutory capital or reserves that
            we must maintain. There can be no assurance that we will be able to maintain our current RBC ratio in the future or that our RBC ratio will not fall to a level that could have a material adverse effect on our business. If we are unable to
            maintain minimum capitalization requirements, our business may be subject to significant increases in supervision and control by the NYDFS.
Litigation and regulatory proceedings may
            negatively affect our financial strength and claims-paying ability.
We have been involved in various regulatory
            investigations and examinations, and we may be involved in more in the future. We may also be named as defendants in individual lawsuits in the future. These actions arise in various contexts, including in connection with our activities as an
            insurer, securities issuer, employer, investor, and taxpayer. Lawsuits and regulatory proceedings may involve significant amounts of damages (including punitive damages) or fines that we must pay, and certain regulatory authorities involved in
            regulatory proceedings have substantial power over our business operations. An adverse outcome in any lawsuit or regulatory proceeding that results in significant financial losses or operational burdens may negatively affect our financial
            strength and claims-paying ability.
Reinsurance may not be available or affordable, or
            may not be adequate to protect against harm to our financial strength and claims-paying ability.
As part of our overall risk management strategy,
            we purchase reinsurance for certain risks underwritten by our various business segments. While reinsurance agreements generally bind the reinsurer for the life of the business reinsured at generally fixed pricing, market conditions beyond our
            control can determine the availability and cost of the reinsurance protection for new business. If we are unable to purchase the desired amount of reinsurance protection on acceptable terms, our risk of loss may increase. As our risk of loss
            increases, so does the risk that we may not be able to meet our financial obligations.
Our hedging programs may be inadequate to protect
            against harm to our financial strength and claims-paying ability.
Certain types of insurance and investment
            products that we offer expose us to risks associated with fluctuations in financial markets. Although we use hedging techniques to manage risks associated with our insurance guarantees, increased volatility in the financial markets and
            unanticipated policyholder behavior may increase the cost of these hedges and/or negatively affect our ability to hedge certain risks. We may lose money on the derivatives that we hold as part of our hedging programs or otherwise. Ultimately,
            our hedging programs may be inadequate to protect us against the full extent of the exposure or losses we seek to mitigate, which in turn may negatively impact our financial strength and claims-paying ability.
Downgrades and potential downgrades to our
            claims-paying and financial strength ratings may signal a higher risk that we may be unable to meet our financial obligations, and may themselves negatively affect our financial strength and claims-paying ability.
Our claims-paying and
              financial strength ratings, which various ratings organizations publish as measures of an insurance company's ability to meet policyholder obligations, are important to maintaining public confidence in Allianz Life of New York and our
              products, and the ability to market our products and services. A downgrade or an announced potential downgrade by credit rating agencies in our claims-paying and financial strength ratings may reflect an increased risk that
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we may not be able to meet our financial obligations. Any such
            downgrade or potential downgrade may itself harm our financial strength and claims-paying ability by causing financial losses to our business. Such losses may be the result of:
•
reductions in new sales of insurance products, annuities and other investment products;
•
increases in our cost of capital or limitations on our access to sources of capital;
•
harm to our relationships with distributors and sales specialists;
•
material increases in the number or amount of full and partial withdrawals under our insurance products;
•
pressure on us to reduce prices or increase crediting rates for many of our insurance products; and
•
harm to our ability to obtain reinsurance or obtain reasonable pricing for reinsurance.
Similarly, credit rating agencies also evaluate the insurance industry as a whole and may change Allianz Life of New York's and other insurance companies' financial strength ratings based on the agencies' overall view of the industry. It
              is possible that Allianz Life of New York's credit rating could be similarly downgraded in the future based on credit rating agencies' evaluation of the life insurance industry as a whole due to changes in their view of Allianz Life of New
              York relative to the industry or a change in their rating assessment methodologies. In addition, downgrades or announced potential downgrades in the financial strength ratings of the financial institutions with which we do business may
              adversely impact our business operations and may cause financial losses to our business.
Risks
              Primarily Related to Our Business Operations
Breaches of security, or interference with our
            technology infrastructure, could harm our business.
Our business relies on technology systems and
            networks, including systems and networks managed by third parties to process, transmit and store information, and to conduct business activities and transactions with clients, distributors, vendors, and other third parties. We are also subject
            to certain federal and state regulations that require us to establish and maintain policies and procedures designed to protect sensitive client information. Maintaining the integrity of our systems is critical to the success of our business
            operations, including the retention of clients, and to the protection of our clients' personal information. To date, we have not identified any material breaches or interference with our systems and networks; however, we routinely encounter and
            address such threats, including an increasing frequency of phishing scams, introductions of malware and unauthorized payment requests. Any such breaches or interference by third parties or by our employees that may in the future occur could
            have a material adverse impact on our business operations and our financial condition.
We have implemented and maintain security
            measures designed to protect against breaches of security and other interference with systems and networks resulting from attacks by third parties, including hackers, and from employee error or malfeasance. We also require third party vendors
            who, in the provision of services to us, are provided with or process information pertaining to our business or our clients to meet certain information security standards. Changes in our technology platforms, such as an evolution to accommodate
            mobile computing, may also require corresponding changes in our systems, networks and data security measures. In addition, the increasing reliance on technology systems and networks and the occurrence and potential adverse impact of attacks on
            such systems and networks, both generally and in the financial services industry, have enhanced government and regulatory scrutiny of the measures taken by companies to protect against cyber-security threats. As these threats, and government
            and regulatory oversight of associated risks, continue to evolve, we may be required to expend additional resources to enhance or expand upon the security measures we currently maintain.
Despite the measures we have taken and may in the
            future take to address and mitigate these risks, we cannot ensure that our systems and networks will not be subject to breaches or interference. Any such event may result in operational disruptions as well as unauthorized access to or the
            disclosure or loss of our proprietary information or our clients' personal information, which in turn may result in legal claims, regulatory scrutiny and liability, reputational damage, the incurrence of costs to eliminate or mitigate further
            exposure, the loss of clients or other damage to our business. Any such event may interfere with, impede or cause delays in our calculation of values, processing of transactions and making of payments under the Contract. In addition, the trend
            toward broad consumer and general public notification of such incidents could exacerbate the harm to our business operations and our financial condition. Even if we successfully protected our technology infrastructure and the confidentiality of
            sensitive data, we may incur significant expenses in responding to any such attacks as well as the adoption and maintenance of appropriate security measures. We could also suffer harm to our business and reputation if attempted security
            breaches are publicized. We cannot be certain that advances in criminal capabilities, discovery of new vulnerabilities, attempts to exploit vulnerabilities in our systems, data thefts, physical system or network break-ins or inappropriate
            access, or other developments will not compromise or breach the technology or other security measures protecting our networks and systems used in connection with our products and
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services. There may be an increased risk of cyberattacks during periods of geo-political or military conflict (such as Russia's invasion of Ukraine and the resulting response by the United States and other countries).
The failure to protect our clients' confidential
            information and privacy could adversely affect our business.
A number of our businesses are subject to privacy
            regulations and confidentiality obligations, including the Gramm-Leach-Bliley Act and state privacy laws and regulations. We also have contractual obligations to protect certain confidential information we obtain from our existing vendors and
            clients. These obligations generally include protecting such confidential information in the same manner and to the same extent as we protect our own confidential information. The actions we take to protect confidential information vary by
            business segment and may include, among other things:
•
training and educating our employees regarding our obligations relating to confidential information;
•
monitoring changes in state or federal privacy and compliance requirements;
•
drafting appropriate contractual provisions into any contract that raises proprietary and confidentiality issues;
•
maintaining secure storage facilities for tangible records;
•
limiting access to electronic information; and
•
in the event of a security breach, providing credit monitoring or other services to affected customers.
In addition, we must develop, implement and
            maintain a comprehensive written information security program with appropriate administrative, technical and physical safeguards to protect such confidential information. If we do not properly comply with privacy regulations and protect
            confidential information, we could experience adverse consequences, including regulatory sanctions, such as penalties, fines and loss of license, as well as loss of reputation and possible litigation. This could have an adverse impact on our
            Company's reputation and business results.
Protection from system interruptions and operating
            errors is important to our business. If we were to experience a sustained interruption to our telecommunications or data processing systems or other failure in operational execution could harm our business operations and our business results.
Operating errors and system or network
            interruptions could delay and disrupt our ability to develop, deliver or maintain our products and services, causing harm to our business and reputation and resulting in loss of customers or revenue. Operating errors and system or network
            interruptions may also interfere with, impede or cause delays in our calculation of values, processing of transactions and making of payments under the Contract. Interruptions could be caused by operational failures arising from employee error
            or malfeasance, interference by third parties (including hackers and other cyber-attacks), implementation of new technology, and maintenance of existing technology. Our financial, accounting, data processing or other operating systems and
            facilities may fail to operate or report data properly, experience connectivity disruptions or otherwise become disabled as a result of events that are wholly or partially beyond our control, adversely affecting our ability to process
            transactions or provide products and services to customers. The cause of these interruptions can include fires, floods, earthquakes and other natural disasters, power losses, equipment failures, attacks by third parties, failures of internal or
            vendor software or systems and other events beyond our control.
In addition, we rely on third party service
            providers and vendors for certain communications, technology and business functions and face the risk of operational failure (including, without limitation, failure caused by an inaccuracy, untimeliness or other deficiency in data reporting),
            termination or capacity constraints of any of the clearing agents, exchanges, clearing houses or other third party service providers that we use to facilitate or are component providers to our transactions and other product manufacturing and
            distribution activities. These risks are heightened by the evolution in the financial markets of increasingly sophisticated products, by business-driven hedging, by compliance issues and by other risk management or investment or by financial
            management strategies. Any such failure, termination or constraint could adversely impact our ability to implement transactions, service our clients, manage our exposure to risk or otherwise achieve desired outcomes.
The occurrence of natural or man-made disasters and
            catastrophes could adversely affect our business operations and our business results.
The occurrence of natural or
              man-made disasters and catastrophes, including extreme weather events, acts of terrorism, geo-political disputes, public health crises (e.g. COVID-19), industrial accident, blackout, cyber-attack, computer virus, insider threat, insurrections
              and military actions, unanticipated problems with our disaster recovery systems, or a support failure from external providers, could adversely affect our business operations and our business results, particularly if those events affect our
              computer-based data processing, transmission, storage, and retrieval systems or destroy data. Such disasters and catastrophes may damage our facilities, preventing our employees from performing their roles or otherwise disturbing our ordinary
              business operations, and by impacting claims. Such disasters and catastrophes may also impact us
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indirectly by changing the condition and behaviors of our customers, business counterparties and regulators, as well as by causing declines or volatility in the economic and financial markets. Climate change could increase our overall risk
              as extreme weather events may become more likely or frequent. We rely on certain third-parties to provide certain services important to our business operations. While we monitor the performance of such third-parties, including those with
              employees who operate remotely, successful implementation and execution of their business continuity strategies are largely outside of our control. Weaknesses or failures within a vendor's business continuity plan in light of a natural or
              man-made disaster or catastrophe could materially disrupt our business operations.
Inadequate or failed processes or systems, human
              factors or external events may adversely affect our reputation or operational effectiveness, as well as our financial condition.
Operational risk is inherent in our business
              and can manifest itself in various ways, including business interruption, poor vendor performance, information systems malfunctions or failures, regulatory breaches, human errors, employee misconduct, external fraud, and inability to recruit,
              motivate, and retain key employees. These events can potentially result in financial loss, harm to our reputation and/or hinder our operational effectiveness. Management attempts to control these risks and keep operational risk at low levels
              by maintaining a sound and well controlled environment in light of the characteristics of our business, markets and regulatory environment in which we operate. Notwithstanding these measures, operational risk is part of the business
              environment in which we operate, and we may experience operational disruptions and incur losses from time to time due to these types or risks.
Risks
              Related to the COVID-19 Pandemic
We continue to closely monitor developments
            related to the COVID-19 pandemic and its impact on our business and operations. The economic conditions and uncertainties during the pandemic have at times negatively impacted our net income, surplus, and capital and liquidity positions. To
            date, however, we do not believe that these economic conditions and uncertainties have negatively impacted our overall financial strength and claims-paying ability in a significant manner. Nor do we believe that our administration of the
            Contract and our other insurance contracts has been disrupted in a significant manner, even as many of our employees and the employees of our third-party service providers continue to work remotely.
The extent to which the
              pandemic will impact our business and operations in the future will depend on future developments, which are highly uncertain and cannot be predicted, including the general scope and duration of the pandemic; actions taken by governmental
              authorities and other third parties in response to the pandemic; the occurrence of new variants of the COVID virus; the severity and duration of waves in infections and hospitalizations; and the efficacy of vaccines, therapeutic treatments,
              and other healthcare programs. Any risk management or contingency plans or preventative measures we take may not adequately predict or address the impact of the COVID-19 pandemic on our business. As such, the pandemic could have a material
              adverse effect on our financial condition and operations.
The pandemic-related risks that we face include
            (but are not necessarily limited to) the following:
•
Economic conditions and uncertainties may negatively impact the value, cash flow, and liquidity of our general account investments due to,
e.g.
, declines in
                      markets, market volatility, reduced liquidity, changes in interest rates, economic shutdowns or slowdowns, prolonged elevated inflation period, government regulations, higher unemployment levels, and counterparty defaults.
•
Voluntary or government mandated hardship assistance that we provide to our customers in the form of,
e.g.
, grace periods for failure to make timely payments, may reduce our net
                    income and surplus.
•
Reductions in new sales of our financial products or reductions in fees collected by us, or increases in full withdrawals, cancellations, or defaults with respect to our customers' existing financial products, as a
                      result of economic conditions and uncertainties may reduce our net income and surplus.
•
Economic conditions and uncertainties may limit our access to sources of capital and our ability to obtain reinsurance.
•
Voluntary and government mandated pandemic mitigation
efforts, such as prolonged remote working arrangements and economic shutdowns, and employees' ability or willingness
                      to fulfill their responsibilities during the pandemic, may disrupt our ability to administer our insurance contracts (including our ability to timely process applications, transactions, and payments and to calculate values) and may
                      disrupt the services provided by third-parties upon which we rely to administer our insurance contracts. Extended periods of remote work arrangements could introduce additional operational risk, including but not limited to
                      cybersecurity risks, and impair our ability to effectively manage our business.
•
Longer-term deviations from the mortality, customer behavior, expenses, and other assumptions that we use to price our products and support our obligations.
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In addition to the risks listed above, to the
            extent that the pandemic impacts our business and operations, it may also have the effect of heightening the other risks described in this section of the prospectus.
14.
Financial
                Statements
The statutory financial statements of Allianz
              Life Insurance Company of New York as of December 31, 2021 and 2020 and for each of the three years in the period ended December 31, 2021 included in Appendix H of this prospectus have been so included in reliance on the report of
              PricewaterhouseCoopers LLP, an independent registered public accounting firm, given on the authority of said firm as experts in auditing and accounting.
The financial statements of the subaccounts of
              Allianz Life of NY Variable Account C of Allianz Life Insurance Company of New York ("Variable Account C") as of December 31, 2021 are incorporated herein by reference to Variable Account C's
Form N-VPFS
(File No. 811-05716) filed with the SEC have been so incorporated in reliance on the report of
              PricewaterhouseCoopers LLP, an independent registered public accounting firm, given on the authority of said firm as experts in auditing and accounting.
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Appendix A – Available Indexes
S&P 500
®
Index
The S&P 500
®
Index is comprised of 500 stocks representing major U.S. industrial sectors.
S&P
®
is a registered trademark of Standard & Poor's Financial Services LLC ("S&P"). This trademark has been licensed for use by S&P Dow Jones Indices LLC. S&P
            marks are trademarks of S&P. These trademarks have been sublicensed for certain purposes by Allianz Life Insurance Company of New York ("Allianz Life
®
of NY"). The
            S&P 500
®
Index ("the Index") is a product of S&P Dow Jones Indices LLC and/or its affiliates and have been licensed for use by Allianz Life of NY.
Allianz Life of NY products are not sponsored,
            endorsed, sold, or promoted by S&P Dow Jones Indices LLC, Dow Jones, S&P, or any of their respective affiliates (collectively, "S&P Dow Jones Indices"). S&P Dow Jones Indices make no representation or warranty, express or
            implied, to the owners of the Allianz Life of NY products or any member of the public regarding the advisability of investments generally or in Allianz Life of NY products particularly or the ability of the Index and Average to track general
            market performance. S&P Dow Jones Indices' only relationship to Allianz Life of NY with respect to the Index and Average is the licensing of the Index and Average and certain trademarks, service marks, and/or trade names of S&P Dow
            Jones Indices and/or its third-party licensors. The Index and Average are determined, composed, and calculated by S&P Dow Jones Indices without regard to Allianz Life of NY or the products. S&P Dow Jones Indices have no obligation to
            take the needs of Allianz Life of NY or the owners of the products into consideration in determining, composing, or calculating the Index and Average. S&P Dow Jones Indices are not responsible for and have not participated in the design,
            development, pricing, and operation of the products, including the calculation of any interest payments or any other values credited to the products. S&P Dow Jones Indices have no obligation or liability in connection with the
            administration, marketing, or trading of products. There is no assurance that investment products based on the Index and Average will accurately track index performance or provide positive investment returns. S&P Dow Jones Indices LLC and
            its subsidiaries are not investment advisors. Inclusion of a security or futures contract within an index is not a recommendation by S&P Dow Jones Indices to buy, sell, or hold such security or futures contract, nor is it considered to be
            investment advice. Notwithstanding the foregoing, CME Group Inc. and its affiliates may independently issue and/or sponsor financial products unrelated to products currently being issued by Allianz Life of NY, but which may be similar to and
            competitive with Allianz Life of NY products. In addition, CME Group Inc., an indirect minority owner of S&P Dow Jones Indices LLC, and its affiliates may trade financial products which are linked to the performance of the Index and
            Average. It is possible that this trading activity will affect the value of the products.
S&P DOW JONES INDICES DO NOT GUARANTEE THE
            ADEQUACY, ACCURACY, TIMELINESS, AND/OR THE COMPLETENESS OF THE INDEX AND AVERAGE OR ANY DATA RELATED THERETO OR ANY COMMUNICATION, INCLUDING BUT NOT LIMITED TO, ORAL OR WRITTEN COMMUNICATION (INCLUDING ELECTRONIC COMMUNICATIONS) WITH RESPECT
            THERETO. S&P DOW JONES INDICES SHALL NOT BE SUBJECT TO ANY DAMAGES OR LIABILITY FOR ANY ERRORS, OMISSIONS, OR DELAYS THEREIN. S&P DOW JONES INDICES MAKE NO EXPRESS OR IMPLIED WARRANTIES, AND EXPRESSLY DISCLAIM ALL WARRANTIES, OF
            MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE OR USE OR AS TO RESULTS TO BE OBTAINED BY ALLIANZ LIFE OF NY, OWNERS OF THE PRODUCTS, OR ANY OTHER PERSON OR ENTITY FROM THE USE OF THE INDEX AND AVERAGE OR WITH RESPECT TO ANY DATA RELATED
            THERETO. WITHOUT LIMITING ANY OF THE FOREGOING, IN NO EVENT WHATSOEVER SHALL S&P DOW JONES INDICES BE LIABLE FOR ANY INDIRECT, SPECIAL, INCIDENTAL, PUNITIVE, OR CONSEQUENTIAL DAMAGES INCLUDING BUT NOT LIMITED TO, LOSS OF PROFITS, TRADING
            LOSSES, LOST TIME, OR GOODWILL, EVEN IF THEY HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, WHETHER IN CONTRACT, TORT, STRICT LIABILITY, OR OTHERWISE. THERE ARE NO THIRD-PARTY BENEFICIARIES OF ANY AGREEMENTS OR ARRANGEMENTS BETWEEN
            S&P DOW JONES INDICES AND ALLIANZ LIFE OF NY OTHER THAN THE LICENSORS OF S&P DOW JONES INDICES.
Russell 2000
®
Index
The Russell 2000
®
Index is an equity index that measures the performance of the 2,000 smallest companies in the Russell 3000
®
Index, which is made up of 3,000 of the biggest U.S. stocks. The Russell 2000
®
Index is constructed to provide a comprehensive and unbiased small-cap barometer and is
            completely reconstituted annually to ensure larger stocks do not affect the performance and characteristics of the true small-cap index.
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The Russell 2000
®
Index (the "Index") is a trademark of Frank Russell Company ("Russell") and has been licensed for use by Allianz Life Insurance Company of New York ("Allianz Life
®
of NY"). Allianz Life of NY products are not in any way sponsored, endorsed, sold or promoted by Russell or the London Stock Exchange Group companies ("LSEG") (together the
            "Licensor Parties") and none of the Licensor Parties make any claim, prediction, warranty or representation whatsoever, expressly or impliedly, either as to (i) the results to be obtained from the use of the Index (upon which the Allianz Life
            of NY product is based), (ii) the figure at which the Index is said to stand at any particular time on any particular day or otherwise, or (iii) the suitability of the Index for the purpose to which it is being put in connection with the
            Allianz Life of NY product. None of the Licensor Parties have provided or will provide any financial or investment advice or recommendation in relation to the Index to Allianz Life of NY or to its clients. The Index is calculated by Russell or
            its agent. None of the Licensor Parties shall be (a) liable (whether in negligence or otherwise) to any person for any error in the Index or (b) under any obligation to advise any person of any error therein.
Nasdaq-100
®
Index
The NASDAQ-100 Index
®
includes 100 of the largest domestic and international non-financial securities listed on The NASDAQ Stock Market
®
based on market capitalization.
The Product(s) is not sponsored, endorsed, sold
            or promoted by Nasdaq, Inc. or its affiliates (Nasdaq, with its affiliates, are referred to as the "Corporations"). The Corporations have not passed on the legality or suitability of, or the accuracy or adequacy of descriptions and disclosures
            relating to, the Product(s). The Corporations make no representation or warranty, express or implied to the owners of the Product(s) or any member of the public regarding the advisability of investing in securities generally or in the
            Product(s) particularly, or the ability of the Nasdaq-100 Index
®
to track general stock market performance. The Corporations' only relationship to Allianz Life Insurance
            Company of New York ("Licensee") is in the licensing of the NASDAQ
®
, and Nasdaq-100 Index
®
registered trademarks, and certain trade names of the Corporations and the use of the Nasdaq-100 Index
®
which is determined, composed and calculated by NASDAQ without
            regard to Licensee or the Product(s). Nasdaq has no obligation to take the needs of the Licensee or the owners of the Product(s) into consideration in determining, composing or calculating the Nasdaq-100 Index
®
. The Corporations are not responsible for and have not participated in the determination of the timing of, prices of, or quantities of the Product(s) to be issued or in the
            determination or calculation of the equation by which the Product(s) is to be converted into cash. The Corporations have no liability in connection with the administration, marketing or trading of the Product(s).
THE CORPORATIONS DO NOT GUARANTEE THE ACCURACY
            AND/OR UNINTERRUPTED CALCULATION OF THE NASDAQ-100 INDEX
®
OR ANY DATA INCLUDED THEREIN. THE CORPORATIONS MAKE NO WARRANTY, EXPRESS OR IMPLIED, AS TO RESULTS TO BE OBTAINED
            BY LICENSEE, OWNERS OF THE PRODUCT(S), OR ANY OTHER PERSON OR ENTITY FROM THE USE OF THE NASDAQ-100 INDEX
®
OR ANY DATA INCLUDED THEREIN. THE CORPORATIONS MAKE NO EXPRESS OR
            IMPLIED WARRANTIES, AND EXPRESSLY DISCLAIM ALL WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE OR USE WITH RESPECT TO THE NASDAQ-100 INDEX
®
OR ANY DATA
            INCLUDED THEREIN. WITHOUT LIMITING ANY OF THE FOREGOING, IN NO EVENT SHALL THE CORPORATIONS HAVE ANY LIABILITY FOR ANY LOST PROFITS OR SPECIAL, INCIDENTAL, PUNITIVE, INDIRECT, OR CONSEQUENTIAL DAMAGES, EVEN IF NOTIFIED OF THE POSSIBILITY OF
            SUCH DAMAGES.
EURO STOXX 50
®
The EURO STOXX 50
®
, Europe's leading blue-chip index for the Eurozone, provides a blue-chip representation of supersector leaders in the Eurozone. The index covers 50 stocks from 11 Eurozone
            countries: Austria, Belgium, Finland, France, Germany, Ireland, Italy, Luxembourg, the Netherlands, Portugal and Spain.
STOXX Limited, Deutsche Börse Group and their
            licensors, research partners or data providers have no relationship to Allianz Life Insurance Company of New York ("Allianz Life
®
of NY"), other than the licensing of the
            EURO STOXX 50
®
and the related trademarks for use in connection with Allianz Life of NY products.
STOXX, Deutsche Börse Group and their licensors,
            research partners or data providers do
not
:
•
sponsor, endorse, sell or promote Allianz Life of NY products.
•
recommend that any person invest in Allianz Life of NY products or any other securities.
•
have any responsibility or liability for or make any decisions about the timing, amount or pricing of Allianz Life of NY products.
Allianz Index Advantage
®
New York Variable Annuity Prospectus – April 29, 2022
Appendix A
94
Table of Contents
•
have any responsibility or liability for the administration, management or marketing of Allianz Life of NY products.
•
consider the needs of Allianz Life of NY products or the owners of Allianz Life of NY products in determining, composing or calculating the EURO STOXX 50 or have any obligation to do so.
STOXX, Deutsche Börse Group and their licensors,
            research partners or data providers give no warranty, and exclude any liability (whether in negligence or otherwise), in connection with the Allianz Life of NY products or their performance.
STOXX does not assume any contractual
            relationship with the purchasers of Allianz Life of NY products or any other third parties.
Specifically,
•
STOXX, Deutsche Börse Group and their licensors, research partners or data providers do not give any warranty, express or implied, and exclude any liability about:
•
The results to be obtained by Allianz Life of NY products, the owner of Allianz Life of NY products or any other person in connection with the use of the EURO STOXX 50 and the data included in the EURO STOXX 50;
•
The accuracy, timeliness, and completeness of the EURO STOXX 50 and its data;
•
The merchantability and the fitness for a particular purpose or use of the EURO STOXX 50 and its data;
•
The performance of Allianz Life of NY products generally;
•
STOXX, Deutsche Börse Group and their licensors, research partners or data providers give no warranty and exclude any liability, for any errors, omissions or interruptions in the EURO STOXX 50 or its data;
•
Under no circumstances will STOXX, Deutsche Börse Group or their licensors, research partners or data providers be liable (whether in negligence or otherwise) for any lost profits or indirect, punitive,
                    special or consequential damages or losses, arising as a result of such errors, omissions or interruptions in the EURO STOXX 50 or its data or generally in relation to Allianz Life of NY products, even in circumstances where STOXX,
                    Deutsche Börse Group or their licensors, research partners or data providers are aware that such loss or damage may occur.
The licensing Agreement between Allianz Life of
            NY and STOXX is solely for their benefit and not for the benefit of the owners of Allianz Life of NY products or any other third parties.
Allianz Index Advantage
®
New York Variable Annuity Prospectus – April 29, 2022
Appendix A
95
Table of Contents
Appendix B – Daily Adjustment
Generally
We designed the Daily Adjustment to provide an
            Index Option Value on Business Days other than the Index Effective Date or an Index Anniversary. The Daily Adjustment approximates the Index Option Value that will be available on the next Index Anniversary. It is the estimated present value of
            the future Performance Credit that we will apply on the next Index Anniversary. The Daily Adjustment takes into account:
(i)
any Index gains during the Index Year subject to the applicable Cap,
(ii)
any Index losses greater than the 10% or 30% Buffer, and
(iii)
the number of days until the next Index Anniversary.
The Daily Adjustment formula has two primary
            components, (i) the change in Proxy Value and (ii) accumulated proxy interest, which are added together and then multiplied by the Index Option Base. We designed the Daily Adjustment to estimate the present value of positive or negative
            Performance Credit that will be available on the next Index Anniversary taking into account any applicable Buffer and Cap. You should note that even if your selected Index(es) experience positive growth, the Daily Adjustments may be negative
            because of other market conditions, such as the expected volatility of Index prices and interest rates. Therefore, the Daily Adjustment could result in a loss beyond the protection of the Buffer.
Daily Adjustment Formula
The formula for the calculation of the Daily
            Adjustment is as follows:
Daily Adjustment = [(a) change in Proxy Value +
            (b) proxy interest] x Index Option Base
Where:
(a)
change in Proxy Value = (current Proxy Value – beginning Proxy Value)
(b)
proxy interest = beginning Proxy Value x (1 – time remaining during the Index Year)
Calculating Change in Proxy Value
The change in Proxy Value represents the current
            hypothetical value of the Proxy Investment (current Proxy Value), less the cost of the Proxy Investment at the beginning of the Index Year (beginning Proxy Value).
The current Proxy Value is the Proxy Value
            calculated on the same day as the Daily Adjustment. The beginning Proxy Value is the Proxy Value calculated on the first day of the current Index Year.
The Proxy Value tracks three hypothetical
            derivative investments (call and put options) that we designed to mimic the market value of your allocation to an Index Performance Strategy or an Index Protection NY Strategy Index Option. We calculate a Proxy Value for each of your selected
            Index Options.
The Proxy Value involves tracking three
            hypothetical derivatives and is calculated using the following formula:
Proxy Value = (at-the-money
            call) – (out-of-the-money call) – (out-of-the-money put)
With respect to our Proxy
              Value formula, we designed the at-the-money call and out-of-the-money call to value the potential for Index gains up to the Cap, and the out-of-the-money put to value the potential for Index losses greater than the 10% or 30% Buffer. It is
              important to note that the out-of-the-money put will almost always reduce the Daily Adjustment, even when the current Index price on a Business Day is higher than the Index Value on the last Index Anniversary. This is because the risk that
              the Index Value could be lower on the next Index Anniversary is present to some extent whether or not the current Index price on a Business Day is lower than the Index Value on the last Index Anniversary.
Calculating Proxy Interest
The proxy interest is an amount of interest that
            is earned to provide compensation for the cost of the Proxy Investment at the beginning of the Index Year. The proxy interest is approximated by the value of amortizing the cost of the Proxy Investment over the Index Year to zero. The formula
            for proxy interest involves the calculation of (i) the beginning Proxy Value and (ii) the time remaining during an Index Year. The time remaining during an Index Year is equal to the number of days remaining in the Index Year divided by 365.
            The proxy interest may be significantly different from current interest rates available on interest bearing investments.
Allianz Index Advantage
®
New York Variable Annuity Prospectus – April 29, 2022
Appendix B
96
Table of Contents
Additional Information
You can find a more detailed
              explanation of the calculation of the Proxy Value, including examples, in Exhibit 99(a) of the Form S-1 Registration Statement filed with the SEC, of which this prospectus is a part. This Exhibit is incorporated by reference into this
              prospectus. You can obtain a copy of Exhibit 99(a) by calling (800) 624-0197, or visiting our website at
allianzlife.com/new-york
.
Allianz Index Advantage
®
New York Variable Annuity Prospectus – April 29, 2022
Appendix B
97
Table of Contents
Appendix C – Historical Initial and Renewal Caps
This information regarding the initial and
              renewal Caps is for historical purposes only; it is not a representation as to future Caps. Caps may change frequently, and may vary substantially based on market conditions.
Index Protection NY Strategy
The Index Protection NY Strategy first became available to newly issued Contracts on August 24, 2015. It is not available to Contracts issued before August 24,
                    2015, or that have a Contract number starting with GAZ.
Following are the highest and lowest initial and renewal Caps offered for Index Effective Date periods occurring within each calendar year during August 24, 2015 (the date the Index Protection NY Strategy was first available) through
              January 3, 2022. During the periods shown below, the Buffer was 30.00% for each Index.
Index Effective Dates: 8/24/2015 – 1/4/2016
Indexes:
S&P 500
®
Index
Russell 2000
®
Index
Nasdaq-100
®
Index
EURO STOXX 50
®
Caps
Lowest
Highest
Lowest
Highest
Lowest
Highest
Lowest
Highest
Initial Caps
4.00%
5.75%
4.75%
7.00%
3.50%
6.00%
4.75%
6.50%
1st Anniversary Renewal Caps
4.75%
5.50%
5.25%
6.25%
4.50%
5.25%
5.25%
6.25%
2nd Anniversary Renewal Caps
4.00%
5.00%
4.25%
5.75%
4.00%
5.00%
5.75%
7.25%
3rd Anniversary Renewal Caps
5.25%
5.75%
5.25%
6.00%
5.50%
6.50%
8.75%
8.75%
4th Anniversary Renewal Caps
5.25%
6.00%
5.50%
6.25%
5.25%
6.25%
8.25%
9.25%
5th Anniversary Renewal Caps
7.75%
9.25%
8.75%
10.75%
9.00%
12.25%
8.50%
10.00%
6th Anniversary Renewal Caps
6.75%
7.25%
7.75%
9.25%
7.25%
8.00%
8.25%
9.00%
Index Effective Dates: 1/5/2016 – 1/2/2017
Indexes:
S&P 500
®
Index
Russell 2000
®
Index
Nasdaq-100
®
Index
EURO STOXX 50
®
Caps
Lowest
Highest
Lowest
Highest
Lowest
Highest
Lowest
Highest
Initial Caps
4.75%
6.00%
5.25%
6.75%
4.50%
5.50%
5.25%
6.75%
1st Anniversary Renewal Caps
4.00%
5.00%
4.25%
5.75%
4.00%
5.00%
5.25%
7.25%
2nd Anniversary Renewal Caps
4.50%
6.00%
5.25%
6.50%
5.00%
6.50%
7.00%
9.25%
3rd Anniversary Renewal Caps
5.25%
6.00%
5.50%
6.25%
5.25%
6.25%
8.25%
10.00%
4th Anniversary Renewal Caps
5.50%
9.25%
5.50%
10.75%
5.50%
12.25%
8.00%
10.75%
5th Anniversary Renewal Caps
6.75%
8.00%
7.75%
10.75%
7.25%
9.50%
7.75%
9.00%
Index Effective Dates: 1/3/2017 – 1/2/2018
Indexes:
S&P 500
®
Index
Russell 2000
®
Index
Nasdaq-100
®
Index
EURO STOXX 50
®
Caps
Lowest
Highest
Lowest
Highest
Lowest
Highest
Lowest
Highest
Initial Caps
4.25%
5.75%
5.00%
6.50%
4.25%
5.50%
5.25%
7.00%
1st Anniversary Renewal Caps
4.50%
6.25%
5.25%
6.50%
5.00%
6.75%
7.00%
10.00%
2nd Anniversary Renewal Caps
5.25%
6.75%
5.50%
6.75%
5.50%
7.00%
8.25%
10.25%
3rd Anniversary Renewal Caps
5.50%
10.25%
5.50%
11.50%
5.50%
12.25%
8.00%
11.00%
4th Anniversary Renewal Caps
6.75%
8.00%
8.00%
10.75%
7.25%
9.50%
7.75%
9.50%
Index Effective Dates: 1/3/2018 – 1/1/2019
Indexes:
S&P 500
®
Index
Russell 2000
®
Index
Nasdaq-100
®
Index
EURO STOXX 50
®
Caps
Lowest
Highest
Lowest
Highest
Lowest
Highest
Lowest
Highest
Initial Caps
4.75%
7.50%
5.50%
7.75%
5.00%
8.00%
7.00%
15.75%
1st Anniversary Renewal Caps
5.25%
6.75%
5.50%
7.00%
5.50%
7.00%
8.50%
12.75%
2nd Anniversary Renewal Caps
5.50%
9.25%
5.50%
10.50%
5.50%
11.50%
7.25%
10.75%
3rd Anniversary Renewal Caps
5.50%
8.00%
6.75%
10.75%
6.25%
9.75%
6.50%
8.75%
Index Effective Dates: 1/2/2019 – 1/6/2020
Indexes:
S&P 500
®
Index
Russell 2000
®
Index
Nasdaq-100
®
Index
EURO STOXX 50
®
Caps
Lowest
Highest
Lowest
Highest
Lowest
Highest
Lowest
Highest
Initial Caps
6.25%
8.50%
6.25%
8.25%
6.25%
9.00%
9.25%
17.75%
1st Anniversary Renewal Caps
5.50%
9.50%
5.50%
10.00%
5.50%
11.50%
7.25%
14.75%
2nd Anniversary Renewal Caps
5.50%
7.00%
6.50%
9.50%
6.00%
8.50%
6.50%
10.75%
Allianz Index Advantage
®
New York Variable Annuity Prospectus – April 29, 2022
Appendix C
98
Table of Contents
Index Effective Dates: 1/7/2020
              – 1/4/2021
Indexes:
S&P 500
®
Index
Russell 2000
®
Index
Nasdaq-100
®
Index
EURO STOXX 50
®
Caps
Lowest
Highest
Lowest
Highest
Lowest
Highest
Lowest
Highest
Initial Caps
5.50%
10.25%
5.50%
12.00%
5.50%
13.50%
7.25%
11.00%
1st Anniversary Renewal Caps
5.50%
8.00%
6.50%
9.50%
6.00%
8.75%
6.50%
9.25%
Index Effective Dates: 1/5/2021
              – 1/3/2022
Indexes:
S&P 500
®
Index
Russell 2000
®
Index
Nasdaq-100
®
Index
EURO STOXX 50
®
Caps
Lowest
Highest
Lowest
Highest
Lowest
Highest
Lowest
Highest
Initial Caps
5.50%
7.00%
6.50%
9.50%
6.00%
8.50%
6.25%
8.00%
Allianz Index Advantage
®
New York Variable Annuity Prospectus – April 29, 2022
Appendix C
99
Table of Contents
Index Performance Strategy
The Index Performance Strategy with the EURO STOXX 50
®
first became available to newly
                    issued Contracts on August 24, 2015. It is not available issued before August 24, 2015, or that have a Contract number starting with GAZ.
Following are the highest and lowest initial and renewal Caps offered for Index Effective Date periods occurring within each calendar year during July 1, 2014 (the date the Contracts were first issued), through January 3, 2022. The Buffer
              was 10.00% for each Index.
Index Effective Dates: 7/1/2014 – 1/5/2015
Indexes:
S&P 500
®
Index
Russell 2000
®
Index
Nasdaq-100
®
Index
Caps
Lowest
Highest
Lowest
Highest
Lowest
Highest
Initial Caps
12.50%
13.50%
14.75%
15.75%
11.75%
13.00%
1st Anniversary Renewal Caps
10.50%
15.50%
13.50%
17.50%
9.75%
15.25%
2nd Anniversary Renewal Caps
10.75%
13.25%
13.75%
16.50%
10.75%
13.00%
3rd Anniversary Renewal Caps
9.25%
10.25%
12.00%
14.25%
10.00%
11.00%
4th Anniversary Renewal Caps
10.50%
12.00%
11.00%
13.00%
11.75%
14.25%
5th Anniversary Renewal Caps
10.50%
13.25%
12.25%
14.75%
11.50%
14.25%
6th Anniversary Renewal Caps
17.50%
20.25%
19.00%
24.00%
18.75%
23.75%
7th Anniversary Renewal Caps
15.00%
15.75%
17.50%
20.50%
16.00%
17.75%
Index Effective Dates: 1/6/2015 – 1/4/2016
Indexes:
S&P 500
®
Index
Russell 2000
®
Index
Nasdaq-100
®
Index
EURO STOXX 50
®
Caps
Lowest
Highest
Lowest
Highest
Lowest
Highest
Lowest
Highest
Initial Caps
1
10.50%
15.50%
13.25%
17.50%
9.75%
15.25%
13.50%
17.50%
1st Anniversary Renewal Caps
2
10.75%
15.50%
13.75%
18.50%
10.75%
15.00%
13.75%
16.50%
2nd Anniversary Renewal Caps
3
9.25%
12.00%
12.00%
16.50%
9.50%
12.00%
22.00%
25.00%
3rd Anniversary Renewal Caps
4
9.25%
13.75%
11.00%
14.50%
10.75%
15.50%
24.00%
25.00%
4th Anniversary Renewal Caps
5
10.50%
13.25%
12.00%
14.75%
11.50%
15.00%
25.00%
26.50%
5th Anniversary Renewal Caps
6
11.75%
20.25%
12.25%
24.00%
11.75%
23.75%
25.50%
29.25%
6th Anniversary Renewal Caps
7
15.00%
18.00%
17.50%
20.50%
15.50%
19.75%
24.00%
29.25%
1
The initial Caps for the EURO STOXX 50
®
are for a partial period of August 24, 2015 through January 4, 2016.
2
The 1st Anniversary Renewal Caps for the EURO STOXX 50
®
are for a partial period of August 24, 2016 through January 4, 2017.
3
The 2nd Anniversary Renewal Caps for the EURO STOXX 50
®
are for a partial period of August 24, 2017 through January 4, 2018.
4
The 3rd Anniversary Renewal Caps for the EURO STOXX 50
®
are for a partial period of August 24, 2018 through January 4, 2019.
5
The 4th Anniversary Renewal Caps for the EURO STOXX 50
®
are for a partial period of August 24, 2019 through January 4, 2020.
6
The 5th Anniversary Renewal Caps for the EURO STOXX 50
®
are for a partial period of August 24, 2020 through January 4, 2021.
Index Effective Dates: 1/5/2016 – 1/2/2017
Indexes:
S&P 500
®
Index
Russell 2000
®
Index
Nasdaq-100
®
Index
EURO STOXX 50
®
Caps
Lowest
Highest
Lowest
Highest
Lowest
Highest
Lowest
Highest
Initial Caps
10.75%
15.50%
13.75%
18.50%
10.75%
15.00%
13.75%
18.50%
1st Anniversary Renewal Caps
9.25%
12.00%
12.00%
16.50%
9.50%
12.00%
13.50%
25.00%
2nd Anniversary Renewal Caps
9.25%
13.75%
11.00%
14.50%
10.75%
15.50%
24.00%
28.00%
3rd Anniversary Renewal Caps
10.50%
13.25%
12.00%
14.75%
11.50%
15.00%
25.00%
28.00%
4th Anniversary Renewal Caps
11.75%
20.25%
12.25%
24.00%
11.75%
23.75%
23.50%
29.25%
5th Anniversary Renewal Caps
15.00%
18.00%
17.50%
20.50%
15.50%
19.75%
22.25%
29.25%
Index Effective Dates: 1/3/2017 – 1/2/2018
Indexes:
S&P 500
®
Index
Russell 2000
®
Index
Nasdaq-100
®
Index
EURO STOXX 50
®
Caps
Lowest
Highest
Lowest
Highest
Lowest
Highest
Lowest
Highest
Initial Caps
9.75%
14.50%
13.50%
18.50%
10.00%
14.00%
13.50%
25.50%
1st Anniversary Renewal Caps
9.25%
17.00%
12.00%
17.25%
10.75%
17.75%
24.00%
31.00%
2nd Anniversary Renewal Caps
10.75%
17.75%
12.00%
18.00%
11.50%
17.75%
25.50%
31.00%
3rd Anniversary Renewal Caps
11.75%
25.50%
12.25%
27.50%
11.75%
26.50%
23.50%
31.50%
4th Anniversary Renewal Caps
16.50%
20.75%
18.25%
22.75%
16.50%
20.75%
25.50%
29.50%
Allianz Index Advantage
®
New York Variable Annuity Prospectus – April 29, 2022
Appendix C
100
Table of Contents
Index Effective Dates: 1/3/2018 – 1/1/2019
Indexes:
S&P 500
®
Index
Russell 2000
®
Index
Nasdaq-100
®
Index
EURO STOXX 50
®
Caps
Lowest
Highest
Lowest
Highest
Lowest
Highest
Lowest
Highest
Initial Caps
11.50%
16.25%
14.25%
16.75%
12.00%
17.00%
24.00%
28.00%
1st Anniversary Renewal Caps
12.50%
16.00%
13.50%
17.75%
12.25%
16.50%
26.25%
28.00%
2nd Anniversary Renewal Caps
12.75%
22.50%
13.25%
25.75%
12.50%
26.25%
24.00%
29.50%
3rd Anniversary Renewal Caps
16.50%
21.50%
17.75%
23.75%
15.50%
22.25%
25.00%
29.00%
Index Effective Dates: 1/2/2019 – 1/6/2020
Indexes:
S&P 500
®
Index
Russell 2000
®
Index
Nasdaq-100
®
Index
EURO STOXX 50
®
Caps
Lowest
Highest
Lowest
Highest
Lowest
Highest
Lowest
Highest
Initial Caps
14.25%
17.25%
15.00%
17.75%
14.25%
18.50%
26.50%
29.00%
1st Anniversary Renewal Caps
13.75%
22.25%
14.00%
25.75%
13.50%
26.25%
25.00%
29.50%
2nd Anniversary Renewal Caps
16.25%
20.75%
17.25%
23.50%
15.25%
21.50%
25.50%
28.50%
Index Effective Dates: 1/7/2020 – 1/4/2021
Indexes:
S&P 500
®
Index
Russell 2000
®
Index
Nasdaq-100
®
Index
EURO STOXX 50
®
Caps
Lowest
Highest
Lowest
Highest
Lowest
Highest
Lowest
Highest
Initial Caps
13.75%
22.25%
14.00%
25.75%
13.50%
26.25%
25.00%
29.50%
1st Anniversary Renewal Caps
16.25%
20.75%
17.25%
23.50%
15.25%
21.50%
25.50%
28.50%
Index Effective Dates: 1/5/2021
              – 1/3/2022
Indexes:
S&P 500
®
Index
Russell 2000
®
Index
Nasdaq-100
®
Index
EURO STOXX 50
®
Caps
Lowest
Highest
Lowest
Highest
Lowest
Highest
Lowest
Highest
Initial Caps
16.25%
20.75%
17.25%
23.50%
15.25%
21.50%
25.50%
28.50%
Allianz Index Advantage
®
New York Variable Annuity Prospectus – April 29, 2022
Appendix C
101
Table of Contents
Appendix D – Historical Index Option Performance
            Information
The following historical information, based on
            historical Buffers and Caps, show how actual movements in the external Index Returns impacted actual Performance Credits. They show the lowest and highest actual annual Index Returns for each time period, and the corresponding Performance
            Credits received for these Index Returns. No single Crediting Method or Index Option consistently delivers the most return under all market conditions. Past performance does not guaranteed future results. This historical information shows the
            returns for Contracts with Index Effective Date periods occurring within the first year that each Crediting Method was available using the S&
            P 500
®
Index. You can obtain more historical information for other time periods and other Index Options by contacting your Financial Professional.
INDEX PROTECTION NY STRATEGY WITH THE S&P 500
®
INDEX
The Index Protection NY Strategy was not available before August 24, 2015. The Buffer was 30% for all time periods. It is not available to Contracts issued before
                    August 24, 2015 or that have a Contract number starting with GAZ.
Index Effective Date
8/24/2015-
8/28/2015
9/1/2015-
10/5/2015
10/6/2015-
11/2/2015
11/3/2015-
11/30/2015
12/1/2015-
1/4/2016
1/5/2016-
2/1/2016
2/2/2016-
2/29/2016
Initial Cap
4.25%
4.00%
5.50%
5.75%
5.50%
5.00%
5.25%
1st Index Year Index Return
9.63% to
16.32%
7.21% to
15.39%
-0.29% to
9.13%
-1.00% to
6.98%
4.21% to
12.82%
12.51% to
22.44%
19.69% to
27.29%
1st Index Anniversary Credit
4.25%
4.00%
0% to
5.50%
0% to
5.75%
4.21% to
5.50%
5.00%
5.25%
1st Anniversary Renewal Cap
5.50%
4.75%
4.75%
4.75%
4.75%
4.50%
4.50%
2nd Index Year Index Return
12.10% to
12.69%
12.76% to
18.17%
17.61% to
22.97%
17.47% to
24.26%
17.65% to
20.59%
20.67% to
25.11%
12.48% to
21.10%
2nd Index Anniversary Credit
5.50%
4.75%
4.75%
4.75%
4.75%
4.50%
4.50%
2nd Anniversary Renewal Cap
4.75%
4.50%
4.75%
4.00%
5.00%
4.75%
4.50%
3rd Index Year Index Return
17.86% to
18.57%
13.07% to
17.16%
2.33% to
13.35%
1.37% to
7.60%
-12.38% to
5.72%
-7.97% to
-4.09%
-1.35% to
4.92%
3rd Index Anniversary Credit
4.75%
4.50%
2.33% to
4.75%
1.37% to
4.00%
0% to
5.00%
0%
0% to
4.50%
3rd Anniversary Renewal Cap
5.25%
5.25%
5.25%
5.50%
5.75%
5.75%
5.50%
4th Index Year Index Return
-0.95% to
0.13%
-1.23% to
4.05%
0.30% to
15.08%
11.00% to
19.03%
10.85% to
37.13%
20.04% to
27.32%
11.54% to
23.91%
4th Index Anniversary Credit
0% to
0.13%
0% to
4.05%
0.30% to
5.25%
5.50%
5.75%
5.75%
5.50%
4th Anniversary Renewal Cap
5.25%
5.75%
6.00%
6.00%
5.75%
5.75%
5.50%
5th Index Year Index Return
19.21% to
21.47%
8.19% to
22.36%
7.54% to
19.15%
9.45% to
16.17%
14.00% to
18.84%
13.47% to
18.86%
15.37% to
22.41%
5th Index Anniversary Credit
5.25%
5.75%
6.00%
6.00%
5.75%
5.75%
5.50%
5th Anniversary Renewal Cap
9.25%
8.25%
9.00%
8.75%
7.75%
6th Index Year Index Return
28.50% to
30.75%
26.70% to
37.44%
23.10% to
40.52%
26.59% to
38.34%
23.15% to
29.53%
6th Index Anniversary Credit
9.25%
8.25%
9.00%
8.75%
7.75%
Allianz Index Advantage
®
New York Variable Annuity Prospectus – April 29, 2022
Appendix D
102
Table of Contents
Index Effective Date
3/1/2016-
4/4/2016
4/5/2016-
5/2/2016
5/3/2016-
6/6/2016
6/7/2016-
7/4/2016
7/5/2016-
8/1/2016
8/2/2016-
9/5/2016
Initial Cap
6.00%
6.00%
5.50%
5.00%
5.50%
5.50%
1st Index Year Index Return
13.80% to
21.11%
11.30% to
15.36%
15.09% to
17.38%
14.85% to
20.94%
13.49% to
16.47%
10.91% to
14.86%
1st Index Anniversary Credit
6.00%
6.00%
5.50%
5.00%
5.50%
5.50%
1st Anniversary Renewal Cap
4.25%
4.25%
4.75%
4.75%
4.75%
4.75%
2nd Index Year Index Return
9.46% to
17.83%
10.23% to
15.65%
10.12% to
15.40%
11.29% to
14.51%
12.50% to
14.89%
14.11% to
18.57%
2nd Index Anniversary Credit
4.25%
4.25%
4.75%
4.75%
4.75%
4.75%
2nd Anniversary Renewal Cap
5.50%
5.50%
6.00%
5.50%
5.25%
5.25%
3rd Index Year Index Return
-0.12% to
11.05%
7.25% to
11.18%
-0.09% to
12.01%
3.72% to
10.42%
4.98% to
9.27%
-0.63% to
3.71%
3rd Index Anniversary Credit
0% to
5.50%
5.50%
0% to
6.00%
3.72% to
5.50%
4.98% to
5.25%
0% to
3.71%
3rd Anniversary Renewal Cap
5.50%
5.50%
5.25%
5.50%
5.75%
5.25%
4th Index Year Index Return
-21.63% to
12.08%
-8.16% to
-1.63%
-3.49% to
13.79%
3.56% to
12.50%
4.68% to
11.55%
12.37% to
22.36%
4th Index Anniversary Credit
0% to
5.50%
0%
0% to
5.25%
3.56% to
5.50%
4.68% to
5.75%
5.25%
4th Anniversary Renewal Cap
5.50%
8.00%
8.75%
8.50%
8.50%
9.25%
5th Index Year Index Return
20.39% to
76.12%
44.93% to
53.42%
30.76% to
47.51%
30.76% to
40.53%
30.96% to
38.96%
26.70% to
34.25%
5th Index Anniversary Credit
5.50%
8.00%
8.75%
8.50%
8.50%
9.25%
Allianz Index Advantage
®
New York Variable Annuity Prospectus – April 29, 2022
Appendix D
103
Table of Contents
Index Performance Strategy with the S&P 500
®
Index
The Buffer was 10% for all time periods.
Index Effective Date
7/1/2014-
8/4/2014
8/5/2014-
9/1/2014
9/2/2014-
10/6/2014
10/7/2014-
11/3/2014
11/4/2014-
12/1/2014
12/2/2014-
1/5/2015
1/6/2015-
2/2/2015
Initial Cap
13.00%
12.75%
12.75%
12.50%
13.50%
12.75%
11.75%
1st Index Year Index Return
3.98% to
8.98%
-6.52% to
9.35%
-5.10% to
0.97%
2.26% to
9.15%
-0.80% to
4.48%
-2.70% to
5.09%
-8.52% to
-0.62%
1st Index Anniversary Credit
3.98% to
8.98%
0% to
9.35%
0% to
0.97%
2.26% to
9.15%
0% to
4.48%
0% to
5.09%
0%
1st Anniversary Renewal Cap
10.50%
10.75%
10.50%
13.50%
15.50%
13.50%
12.50%
2nd Index Year Index Return
0.80% to
4.88%
3.65% to
16.32%
7.21% to
14.05%
-1.00% to
7.91%
-0.81% to
6.98%
5.40% to
12.81%
14.41% to
22.16%
2nd Index Anniversary Credit
0.80% to
4.88%
3.65% to
10.75%
7.21% to
10.50%
0% to
7.91%
0% to
6.98%
5.40% to
12.81%
12.50%
2nd Anniversary Renewal Cap
13.25%
13.00%
11.25%
10.75%
11.00%
11.25%
10.75%
3rd Index Year Index Return
13.49% to
15.60%
10.91% to
14.08%
12.75% to
17.98%
17.61% to
23.90%
17.47% to
24.26%
17.72% to
20.90%
20.67% to
25.34%
3rd Index Anniversary Credit
13.25%
10.91% to
13.00%
11.25%
10.75%
11.00%
11.25%
10.75%
3rd Anniversary Renewal Cap
10.25%
10.00%
9.25%
9.75%
9.50%
9.50%
9.75%
4th Index Year Index Return
11.70% to
15.09%
14.35% to
18.57%
13.14% to
17.53%
2.33% to
13.35%
1.96% to
8.62%
-12.38% to
5.72%
-7.97% to
-1.35%
4th Index Anniversary Credit
10.25%
10.00%
9.25%
2.33% to
9.75%
1.96% to
8.62%
-2.38% to
5.72%
0%
4th Anniversary Renewal Cap
10.75%
10.75%
10.50%
10.75%
10.50%
12.00%
12.50%
5th Index Year Index Return
-0.20% to
10.42%
-0.95% to
3.70%
-1.23% to
4.18%
0.30% to
15.08%
9.64% to
17.66%
10.85% to
37.13%
19.23% to
27.32%
5th Index Anniversary Credit
0% to
10.42%
0% to
3.70%
0% to
4.18%
0.30% to
10.75%
9.64% to
10.50%
10.85% to
12.00%
12.50%
5th Anniversary Renewal Cap
12.00%
10.50%
12.00%
12.50%
12.75%
13.25%
12.75%
6th Index Year Index Return
4.48% to
16.23%
14.38% to
21.47%
8.19% to
22.36%
7.62% to
20.29%
11.86% to
17.62%
13.59% to
18.84%
13.61% to
18.68%
6th Index Anniversary Credit
4.48% to
12.00%
10.50%
8.19% to
12.00%
7.62% to
12.50%
11.86% to
12.75%
13.25%
12.75%
6th Anniversary Renewal Cap
18.00%
20.25%
19.25%
17.50%
19.00%
17.50%
7th Index Year Index Return
30.96% to
39.05%
28.28% to
33.42%
26.16% to
37.44%
23.40% to
40.52%
23.22% to
35.91%
23.15% to
29.61%
7th Index Anniversary Credit
18.00%
20.25%
19.25%
17.50%
19.00%
17.50%
Allianz Index Advantage
®
New York Variable Annuity Prospectus – April 29, 2022
Appendix D
104
Table of Contents
Index Performance Strategy with the S&
            P 500
®
Index
(continued)
Index Effective Date
2/3/2015-
3/2/2015
3/3/2015-
4/6/2015
4/7/2015-
5/4/2015
5/5/2015-
6/1/2015
6/2/2015-
7/6/2015
Initial Cap
12.00%
11.75%
11.00%
11.00%
10.75%
1st Index Year Index Return
-11.58% to
-6.17%
-5.43% to
0.64%
-3.00% to
0.63%
-4.13% to
-0.59%
-4.84% to
1.92%
1st Index Anniversary Credit
-1.58% to
0.00%
0% to
0.64%
0% to
0.63%
0%
0% to
1.92%
1st Anniversary Renewal Cap
13.25%
15.50%
15.50%
13.75%
12.50%
2nd Index Year Index Return
19.69% to
27.29%
13.80% to
19.55%
11.82% to
16.50%
15.09% to
17.38%
14.76% to
21.92%
2nd Index Anniversary Credit
13.25%
13.80% to
15.50%
11.82% to
15.50%
13.75%
12.50%
2nd Anniversary Renewal Cap
10.25%
12.00%
12.00%
10.50%
10.25%
3rd Index Year Index Return
12.99% to
17.56%
9.46% to
17.83%
10.86% to
15.21%
11.36% to
14.75%
11.40% to
14.71%
3rd Index Anniversary Credit
10.25%
9.46% to
12.00%
10.86% to
12.00%
10.50%
10.25%
3rd Anniversary Renewal Cap
9.25%
12.00%
11.50%
13.75%
11.75%
4th Index Year Index Return
0.51% to
3.77%
-0.12% to
11.18%
7.17% to
11.14%
0.36% to
9.72%
-0.09% to
10.42%
4th Index Anniversary Credit
0.51% to
3.77%
0% to
11.18%
7.17% to
11.14%
0.36% to
9.72%
0% to
10.42%
4th Anniversary Renewal Cap
13.25%
11.75%
10.75%
10.75%
11.00%
5th Index Year Index Return
6.67% to
23.91%
-20.05% to
12.08%
-8.16% to
-0.89%
-2.87% to
11.34%
3.27% to
13.79%
5th Index Anniversary Credit
6.67% to
13.25%
-10.05% to
11.75%
0%
0% to
10.75%
3.27% to
11.00%
5th Anniversary Renewal Cap
12.25%
11.75%
14.25%
15.50%
16.00%
6th Index Year Index Return
14.92% to
30.99%
20.39% to
74.78%
44.83% to
53.42%
37.51% to
47.51%
30.78% to
42.59%
6th Index Anniversary Credit
12.25%
11.75%
14.25%
15.50%
16.00%
Allianz Index Advantage
®
New York Variable Annuity Prospectus – April 29, 2022
Appendix D
105
Table of Contents
Appendix E – Annual Contract Fees Calculation Examples
Please note that these examples may differ from
            your actual results due to rounding.
On the Quarterly Contract Anniversary your annual
            product fee is 1.25% and your Contract Value and Charge Base are $100,000. This Contract Value includes any Variable Option gains or losses and any Daily Adjustments or Performance Credits on the Index Options. During the quarter you make no
            additional Purchase Payments and take no withdrawals. We calculate the daily product fee amount for this quarter as follows:
(the Charge Base) x (annual product fee ÷ 365) =
            daily product fee amount, or:
$100,000 x (1.25% ÷ 365) = $3.42
If there are 89 days in the current quarter
            (which includes the next Quarterly Contract Anniversary), then the total quarterly product fee is:
(number of days in the current quarter) x (daily
            product fee amount), or:
89 x $3.42 = $304.79
On the next Quarterly
              Contract Anniversary we would deduct $304.79 from the Contract Value. We first account for any gains/losses on the Variable Options and add any Daily Adjustments or Performance Credits to the Index Option Values, then process any additional
              Purchase Payments, withdrawals you take, and deductions we make for the total quarterly product fee. We then set the Charge Base equal to this new Contract Value. If the Contract Value at the end of the day on the Quarterly Contract
              Anniversary after all processing is $101,250 we would begin computing the daily product fee for the next quarter on the next day as:
(the Charge Base) x (annual product fee ÷ 365) =
            daily product fee amount, or:
$101,250 x (1.25% ÷ 365) = $3.47
If you make an additional
              Purchase Payment of $15,000 on the 43rd day of the next quarter, your Charge Base would increase by the dollar amount of the payment to $116,250 ($101,250 + $15,000). We would then use this new Charge Base to begin computing the daily product
              fee for the remainder of the quarter on the next day as:
(the Charge Base) x (annual product fee ÷ 365) =
            daily product fee amount, or:
$116,250 x (1.25% ÷ 365) = $3.98
If there are 92 days in the current quarter
            (which includes the next Quarterly Contract Anniversary), then the total quarterly product fee is:
(number of days in the current quarter) x (daily
            product fee amount), or:
(43 x $3.47) + (49 x $3.98) = $149.10 + $195.08 =
            $344.18
On the next Quarterly
              Contract Anniversary we would deduct $344.18 from the Contract Value after we account for any gains/losses on the Variable Option and add any Daily Adjustments or Performance Credits to the Index Option Values. We would then process any
              additional Purchase Payments, withdrawals you take, and deductions we make for the total quarterly product fee and set the Charge Base equal to this new Contract Value and begin computing the daily product fee for the next quarter on the next
              day.
Allianz Index Advantage
®
New York Variable Annuity Prospectus – April 29, 2022
Appendix E
106
Table of Contents
Appendix F – Material Contract Variations by Issue
            Date
All material Issue Date variations in the
            Contract are disclosed in this Appendix. If you would like more information regarding Issue Date specific Contract provisions, you should contact your Financial Professional or contact our Service Center at the toll-free telephone number listed
            at the back of this prospectus.
Crediting Method and/or Index Availability
            Restrictions
Crediting Method / Indexes
Availability Restrictions:
Index Protection NY Strategy
– For Contracts with a number starting with AV this first became available to newly issued Contracts on August 24, 2015.
– Not available to Contracts issued before August 24, 2015, or if the Contract has a number starting with GAZ.
EURO STOXX 50
®
– For Contracts with a number starting with AV this first became available to newly issued Contracts on August 24, 2015.
– Not available to Contracts issued before August 24, 2015, or if the Contract has a number starting with GAZ.
If a Crediting Method or Index is not available,
            you cannot allocate to it unless we make it available to you on a future Index Anniversary.
Certain Crediting Methods and/or Indexes also may not be available from all selling firms or from all Financial
              Professionals. Please consult with your Financial Professional for more information.
Automatic Performance Lock Availability
            Restrictions
Automatic Performance Locks are not available to
            Contracts issued before August 24, 2015, or that have a Contract number starting with GAZ.
Allianz Index Advantage
®
New York Variable Annuity Prospectus – April 29, 2022
Appendix F
107
Table of Contents
Appendix G – Variable Options Available Under the
              Contract
The following includes information about the
              Variable Options. More information about the Variable Options is available in the Variable Options' prospectuses, which may be amended from time to time and can be found online at
allianzlife.com/new-york/variableoptions
.
              You can also request this information at no cost by calling (800) 624-0197, or by sending an email request to contact.us@allianzlife.com.
The current expenses and performance
              information below reflects fees and expenses of the Variable Options, but do not reflect the other fees and expenses that your Contract may charge. Expenses would be higher and performance would be lower if these other charges were included.
              The Variable Options' past performance is not necessarily an indication of future performance.
Investment Objectives
Variable Option and
Adviser/Subadviser
Current
Expenses
Average Annual Total Returns
(as of December 31, 2021)
1 Year
5 Years
10 Years
Current income consistent with stability of principal
AZL
®
Government Money Market Fund
(1)
Adviser: Allianz Investment Management LLC
Subadviser: BlackRock Advisors, LLC
0.64%
0.00%
0.53%
0.27%
Long-term capital appreciation with preservation of capital as an important consideration
AZL
®
MVP Balanced Index Strategy Fund
(2)
Adviser: Allianz Investment Management LLC
0.71%
10.02%
7.73%
7.20%
Long-term capital appreciation
AZL
®
MVP Growth
                      Index Strategy Fund
(2)
Adviser: Allianz Investment Management LLC
0.68%
16.40%
9.77%
9.23%
(1)
The AZL
®
Government Money Market Fund's annual expenses reflect a temporary fee reduction. Please see the AZL
®
Government Money Market Fund's prospectus for information regarding the expense reimbursement or fee waiver arrangement.
(2)
This Variable Option is managed in a way that is intended to minimize volatility of returns (referred to as a "managed volatility strategy"). Please see "Principal Risks – Managed Volatility Fund Risk" in the
                      prospectus and the Investment Option's prospectus for more information.
Allianz Index Advantage
®
New York Variable Annuity Prospectus – April 29, 2022
Appendix G
108
Table of Contents
Appendix H – Selected Financial Data and Statutory Financial Statements
Management's Discussion and Analysis of
              Financial Condition and Results of Operations (For the 12 month period ended December 31, 2021)
The following discussion of our financial
              condition and results of operations should be read in conjunction with our statutory financial statements and notes to those statements included in this Appendix. The discussion and analysis in this Appendix includes certain forward-looking
              statements that are subject to risks, uncertainties and other factors, as described in "Risk Factors" and elsewhere in this prospectus, that could cause our actual growth, results of operations, performance, financial position and business
              prospects and opportunities in 2022 and beyond to differ materially from those expressed in, or implied by, those forward-looking statements. See "Forward-Looking Statements."
Statutory Financial Statements
The statutory financial
              statements of Allianz Life Insurance Company of New York as of December 31, 2021 and 2020 and for each of the three years in the period ended December 31, 2021 included in this Appendix H have been so included in reliance on the report of
              PricewaterhouseCoopers LLP, an independent registered public accounting firm, given on the authority of said firm as experts in auditing and accounting. The principal business address of PricewaterhouseCoopers LLP is 45 South Seventh Street,
              Suite 3400, Minneapolis, MN.
Allianz Index Advantage
®
New York Variable Annuity Prospectus – April 29, 2022
Appendix H
109
Part I
Item 11(f).
Selected Financial Data
(dollars in thousands, unless otherwise stated)
The following table sets forth the Company's selected historical
          financial data. The selected financial data has been derived from the Statutory Financial Statements included elsewhere in this prospectus, and should be read in conjunction with "Management's Discussion and Analysis of Financial Condition and
          Results of Operations" and the Company's audited Statutory Financial Statements.
These historical results are not necessarily indicative of results
          to be expected for any future period.
Year ended December 31,
Selected income data
2021
2020
2019
2018
2017
Premium and annuity considerations*
$
689,602
431,944
376,919
306,832
275,425
Net investment income
16,177
18,028
19,866
23,273
34,421
Ceded reinsurance
                  reserve and expense adjustments
578
291
181
201
211
Fees from separate accounts
66,792
66,045
68,960
72,602
74,868
Other income
—
—
—
—
24
Total
                  income
773,149
516,308
465,926
402,908
384,949
Policyholder benefits
                  and surrenders
281,533
244,532
255,885
246,712
240,015
Change in aggregate reserves
(17,165)
1,842
2,503
(35,379)
4,740
General and
                  administrative and commission
78,354
56,875
52,630
43,506
41,569
Net transfers to separate accounts
358,538
186,015
134,980
107,721
60,857
Total
                  benefits and other expenses
701,260
489,264
445,998
362,560
347,181
Income tax expense (benefit)
6,319
1,280
(7,343)
(292)
3,333
Net realized capital
                  (loss) gain
(59,957)
(41,220)
(70,095)
7,217
(39,732)
Net income (loss)
$
5,613
(15,456)
(42,824)
47,857
(5,297)
Capital and Surplus:
Change in unrealized capital gain
                  (loss)
$
1,534
(1,845)
(8,937)
18,410
(21,209)
Other change in
                  capital & surplus
$
(106)
1,934
(649)
(15,579)
(2,565)
Net change in capital & surplus
7,041
(15,367)
(52,410)
50,688
(29,071)
*Includes premiums and
                  annuity and supplementary contract considerations.
As of December 31,
Selected balance sheet data
2021
2020
2019
2018
2017
Total cash and invested assets
$
610,691
590,406
596,501
652,934
630,219
Investment income due
                  and accrued
4,480
4,744
4,921
5,270
7,101
Other admitted assets
9,085
8,604
12,922
4,246
7,048
Separate account
                  assets
4,447,304
3,773,866
3,232,062
2,677,964
2,752,080
Total
                  admitted assets
5,071,560
4,377,620
3,846,406
3,340,414
3,396,448
Total policyholder
                  liabilities
473,598
490,011
487,107
484,136
524,125
Other liabilities
(12,352)
(42,226)
(44,099)
(45,390)
(52,815)
Separate account
                  liabilities
4,447,304
3,773,866
3,232,062
2,677,964
2,752,080
Total
                  liabilities
4,908,550
4,221,651
3,675,070
3,116,710
3,223,390
Total
                  capital and surplus
163,010
155,969
171,336
223,746
173,058
Selected Financial Data and Management's Discussion and Analysis
Page 1 of 14
Item 11(h).
Management's Discussion and Analysis of Financial Condition and
          Results of Operations
The following discussion and analysis provides an assessment by
          management of the Company's financial condition as of December 31, 2021, compared with December 31, 2020, and its results of operations for each of the three years ended December 31, 2021, 2020, 2019, respectively. The information contained
          herein should be read in conjunction with the financial statements, notes, exhibits and schedules in the 2021 and 2020 Annual Statement and audited Statutory Financial Statements of the Company. Amounts are presented on a non-consolidated basis
          in accordance with Statutory Accounting Principles (SAP).
Forward-looking Statements
This report reviews the Company's financial condition and results of
          operations. Where appropriate, factors that may affect future financial performance are also identified and discussed. Certain statements made in this report include "forward-looking statements" within the meaning of the Private Securities
          Litigation Reform Act of 1995. Forward- looking statements include any statement that may predict, forecast, indicate or imply future results, performance or achievements instead of historical facts, and may contain words like "believe",
          "expect", "estimate", "project", "budget", "forecast", "anticipate", "plan", "will", "shall", "may", and other words, phrases or expressions with similar meaning. Forward-looking statements are subject to risks and uncertainties. Readers are
          cautioned not to place undue reliance on forward-looking statements as a prediction of actual results. The Company undertakes no obligation to update publicly or revise any forward-looking statements.
Company Overview
The Company is a life insurance company domiciled in New York and is
          licensed to sell insurance products in six U.S. states and the District of Columbia. The Company primarily offers individual variable-indexed annuities which are sold through licensed registered representatives contracted with a broker/dealer.
          The Company also maintains a legacy portfolio of individual variable and fixed annuities, individual and group life policies, and individual and group accident and health policies, but does not actively issue new policies related to these
          products.
Allianz Life of New York is a wholly owned subsidiary of Allianz
          Life Insurance Company of North America (Allianz Life). Allianz Life is a wholly owned subsidiary of Allianz of America, Inc. (AZOA), which is a subsidiary of Allianz Europe, B.V.. Allianz Europe, B.V. is a wholly owned subsidiary of Allianz SE,
          the Company's ultimate parent, which is incorporated in Munich, Germany.
The Company has organized its principal operations into the
          following segments: Individual Annuities and Other.
Individual Annuities
The Individual Annuities segment provides tax-deferred investment
          growth and lifetime income opportunities for our customers through fixed, fixed-indexed and variable-indexed. The "fixed" and "variable" classifications describe whether we or the contractholders bear the investment risk of the assets supporting
          the contract. Variable annuities allow the contractholder to make deposits into various investment options and also have unique product features that allow for guaranteed minimum income benefits, guaranteed minimum accumulation benefits,
          guaranteed minimum death benefits, and guaranteed minimum withdrawal benefits. The variable annuity products with guaranteed minimum benefits which provide a minimum return based on their initial deposit may be increased by additional deposits,
          bonus amounts, or other account crediting features. The income and accumulation benefits shift a portion of the investment risk from the contractholder back to the Company. The Company's variable annuity sales strategy has shifted to
          variable-indexed annuity products, which combines a separate account option with a general account option that is similar to a fixed-indexed annuity. Sales of the variable-indexed annuity have increased in recent years due to an industry shift
          from traditional variable products to hybrid annuities as well as the Allianz Index Advantage® New York Variable Annuity product being very competitive. Our Individual Annuity products are sold through independent distribution channels made up of
          registered representatives contracted with a broker dealer. As previously noted, we discontinued selling variable and fixed annuity products and the block of business is in run-off, however, in-force volumes are material and thus reported within
          the Individual Annuities segment.
Selected Financial Data and Management's Discussion and Analysis
Page 2 of 14
Other
The Other segment consists of individual term life, which is not
          material enough to break out in a separate segment, as well as closed blocks of life, long-term care (LTC), and Special Markets products. The Special Markets products include individual and group annuity and life products, including whole and
          term life insurance. Although Other products are part of the combined results, the Company does not allocate additional resources to these areas other than to maintain the operational support to its current customers.
Income and expense allocation
We maintain segregated investment portfolios at the subsidiary level
          but do not maintain segregated portfolios for each segment. All net investment income and other Corporate income and expense activity is allocated to the segments. Assets are only monitored at the total Company level, and as such, asset
          disclosures by segment are not included herein.
Income and expense related to assets backing policyholder reserves
          are allocated to the segments based on policyholder statutory reserve levels. The results of our segments also reflect allocation of income and expense related to assets backing surplus. Income and expense related to assets backing surplus are
          allocated to the segments based on required capital levels for each segment.
Basis of Presentation
The Statutory Financial Statements have been prepared in accordance
          with accounting practices prescribed or permitted by the New York State Department of Financial Services (the Department). The Department recognizes statutory accounting practices prescribed or permitted by the state of New York for determining
          and reporting the financial condition and results of operations of an insurance company and its solvency under New York insurance law. The state of New York has adopted the National Association of Insurance Commissioners (NAIC)
Accounting Practices and Procedures Manual
as its prescribed basis of statutory accounting principles (SAP). The state of New York has also adopted certain prescribed accounting practices that differ from those found in
          NAIC SAP. The Company has no material statutory accounting practices that differ from those of the Department or NAIC SAP. These practices differ in some respects from accounting principles generally accepted in the United States of America (U.S.
          GAAP). The effects of these differences, while not quantified, are presumed to be material to the Statutory Financial Statements.
The preparation of Statutory Financial Statements in conformity with
          NAIC SAP requires management to make certain estimates and assumptions that affect reported amounts of admitted assets and liabilities, including reporting or disclosure of contingent assets and liabilities as of December 31, 2021, and 2020 and
          the reported amounts of revenues and expenses during the reporting period. Future events, including changes in mortality, morbidity, interest rates, capital markets, and asset valuations could cause actual results to differ from the estimates
          used within the Statutory Financial Statements. Such changes in estimates are recorded in the period they are determined.
Adoption of New Financial Accounting Standards
See Note 3 – "Accounting Changes and Correction of Errors" of the
          Company's audited Statutory Financial Statements in this prospectus for information related to recent accounting pronouncements.
Application of Critical Accounting Policies
Our accounting policies require management to make interpretative
          and valuation judgments and to make estimates based upon assumptions that affect the amounts of assets, liabilities, revenues, and expenses reported in our Statutory Financial Statements. Because the use of assumptions and estimates inherently
          entails uncertainty, the effects of accounting policies under different conditions could produce results that are significantly different. A discussion of the presentation of the business factors that affect critical accounting policies can be
          found in Note 2 of the accompanying Statutory Financial Statements and are summarized below.
Accounting for Investments
Investment valuation and presentation are determined to be in
          accordance with methods prescribed by the NAIC. See Note 5 and 6 of the audited Statutory Financial Statements for additional information regarding the portfolio and fair value of investments.
Aggregate Reserves for Life Policies and Annuity
          Contracts
See Notes 10 through 12 of the audited Statutory Financial
          Statements for additional information regarding our annuity and life actuarial reserves, deposit liabilities, and separate accounts.
Selected Financial Data and Management's Discussion and Analysis
Page 3 of 14
Derivatives
See Notes 2 and 5 of the audited Statutory Financial Statements for
          additional information regarding our derivatives and hedging instruments.
Reinsurance
See Note 9 of the audited Statutory Financial Statements for
          additional information regarding reinsurance agreements we have entered into to manage insurance risk as well as businesses we have exited.
Income Taxes
See Note 7 of the audited Statutory Financial Statements for
          additional information regarding income tax estimates and assumptions.
Individual Annuities and Other
Based upon the significance of the Individual Annuities segment and
          its overall impact on the total results of operations, we only provided variance commentary at the total company level for the year ended December 31, 2021 compared to 2020 and year ended December 31, 2020, compared to 2019.
Total Results of Operations
Year ended December 31,
Increase
                  (decrease) and % change
Increase
                  (decrease) and % change
2021
2020
2019
2021 - 2020
2020 - 2019
Income:
Premium and annuity considerations*
$
689,602
431,944
376,919
$
257,658
59.7
%
$
55,025
14.6
%
Net investment
                  income
16,177
18,028
19,866
(1,851)
(10.3)
(1,838)
(9.3)
Ceded reinsurance reserve and expense
                  adjustments
578
291
181
287
98.6
110
60.8
Fees from
                  separate accounts
66,792
66,045
68,960
747
1.1
(2,915)
(4.2)
Total income
773,149
516,308
465,926
256,841
49.7
50,382
10.8
Benefits and other expenses:
Policyholder benefits and surrenders
281,533
244,532
255,885
37,001
15.1
(11,353)
(4.4)
Change in
                  aggregate reserves
(17,165)
1,842
2,503
(19,007)
(1,031.9)
(661)
(26.4)
General and administrative and
                  commission
78,354
56,875
52,630
21,479
37.8
4,245
8.1
Net transfers
                  to separate accounts
358,538
186,015
134,980
172,523
92.7
51,035
37.8
Total benefits and other expenses
701,260
489,264
445,998
211,996
43.3
43,266
9.7
Pretax
                  income (loss)
71,889
27,044
19,928
44,845
165.8
7,116
35.7
Income tax expense (benefit)
6,319
1,280
(7,343)
5,039
393.7
8,623
117.4
Net realized
                  capital (loss) gain
(59,957)
(41,220)
(70,095)
(18,737)
(45.5)
28,875
41.2
Net income (loss)
$
5,613
(15,456)
(42,824)
$
21,069
136.3
%
$
27,368
63.9
%
Capital and Surplus:
Change in unrealized capital gain
                  (loss)
$
1,534
(1,845)
(8,937)
$
3,379
183.1
%
$
7,092
79.4
%
Other change
                  in capital & surplus
(106)
1,934
(649)
(2,040)
(105.5)
2,583
398.0
Net change in capital & surplus
$
7,041
(15,367)
(52,410)
$
22,408
145.8
%
$
37,043
70.7
%
*Includes
                  premiums and annuity and supplementary contract considerations.
Selected Financial Data and Management's Discussion and Analysis
Page 4 of 14
Selected Operating Performance Measures
Year ended December 31,
Increase
                  (decrease) and % change
Increase
                  (decrease) and % change
2021
2020
2019
2021 - 2020
2020 - 2019
Deposits and
                  gross premiums written:
Individual Annuities
$
685,610
425,561
371,966
$
260,049
61.1
%
$
53,595
14.4
%
Other
4,416
4,108
4,149
308
7.5
(41)
(1.0)
Total
$
690,026
429,669
376,115
$
260,357
60.6
%
$
53,554
14.2
%
In-force:
Individual
                  Annuities
$
4,797,886
3,990,425
3,613,848
$
807,461
20.2
%
$
376,577
10.4
%
Other
750,332
328,472
49,947
421,860
128.4
278,525
557.6
Total
$
5,548,218
4,318,897
3,663,795
$
1,229,321
28.5
%
$
655,102
17.9
%
Deposits and in-force amounts in the table above are for direct
          business. Deposits reflect amounts collected on both new and renewal business. Individual Annuities in-force represents account values for our annuity contracts. Other products in-force represent gross life insurance within the life and Special
          Markets products. The deposits increased within Individual Annuities year over year as a result of the continued growth of variable-indexed annuity sales due to competitive product features. The increase of in-force in the Individual Annuities
          segment is primarily driven by growth of the variable-indexed annuity sales and equity market increases resulting in higher contractholder account values, partially offset by continued run-off of fixed and traditional variable annuities. Deposits
          and in-force within Other products increased due to the new term life policies which were initially marketed in 2020.
Change in Key Market Factors
Our Individual Annuities segment is impacted by various market
          impacts and movements which are summarized below:
Year ended December 31,
% change
2021
2020
2019
2021 - 2020
2020 - 2019
Stock Index
S&P 500
26.89%
16.26%
28.88%
10.63%
(12.62)%
NASDAQ 100
26.63%
47.58%
37.96%
(20.95)%
9.62%
Year ended December 31,
Basis point (bps) change
2021
2020
2019
2021 - 2020
2020 - 2019
Interest Rates
Swap rate - 10
                  year
1.58%
0.93%
1.90%
65 bps
(97) bps
Swap rate - 20
                  year
1.76%
1.32%
2.07%
44 bps
(75) bps
Year Ended December 31, 2021
Compared
          to
Year Ended December 31, 2020
Overview
The change in capital and surplus was favorable in 2021 due to increased variable-indexed annuity premiums and decreases in
          aggregate reserves primarily in the Individual Annuities segment due to increases in equity markets and interest rates. This was partially offset by an increase in net transfers to the separate accounts and commissions which are both reflective
          of the increase in premiums, unfavorable hedging impacts, an increase in variable annuity policyholder benefits and surre
nders,
          and an increase in income tax expenses year-over-year
.
Income
•
Premium and annuity considerations
:
Premium and annuity
          considerations increased primarily due to the continued growth of the variable-indexed annuity product which was impacted by competitive product features in the Individual Annuities segment.
•
Net investment income:
Net investment income
          decreased primarily due to a decrease in average invested assets backing general account policyholder liabilities as a result of the continued run-off of the Company's fixed annuity block of business. Assets supporting the general account
          products decreased despite increased premiums because the significant products are in the separate account.
Selected Financial Data and Management's Discussion and Analysis
Page 5 of 14
•
Ceded reinsurance reserve and expense adjustments:
Ceded
          reinsurance reserve and expense adjustments increased primarily due to the ceded expense allowance on the term life product.
•
Fees from separate accounts
: Fees from separate accounts increased slightly, primarily due to higher M&E from the effects of positive equity markets in 2021, which resulted in higher average traditional
          variable annuity separate account assets in 2021, despite surrenders increasing as well. The increase was partially offset by lower benefit rider income.
Benefits and Other Expenses
•
Policyholder benefits and surrenders
:
Policyholder benefits and
          surrenders increased primarily due to an increase in variable surrenders, partially offset by fixed death claims and surrenders driven by policyholder activity.
•
Change in aggregate reserves:
Change in aggregate reserves
          was driven by VM 21 reserve decreases due to equity market impacts and interest rate movements impacting the variable annuity line of business and fixed annuity reserve decreases due to the continued run-off of the closed block of business. This
          is partially offset by additional asset adequacy reserves the variable line of business.
•
General and administrative and commission:
General and
          administrative and commission increased primarily due to higher variable indexed-annuity commissions as a result of an increase in production.
•
Net transfers to separate accounts:
Net transfers to separate accounts increase is driven by new premium and policyholder withdrawals, and increased due to higher separate account premium.
•
Income tax expense (benefit)
:
Income tax expense
          increased driven by pre-tax income and hedging impacts.
•
Net realized capital (loss) gain:
Net realized capital losses are driven by derivatives hedging guarantees in our Individual Annuities segment.
Capital and Surplus
•
Change in unrealized capital (loss) gain:
Unrealized capital gains are primarily due to derivatives hedging guarantees in our Individual Annuities
          segment due to positive equity markets.
•
Other change in capital and surplus:
Other change in capital and surplus decrease was driven by an increase in the asset valuation reserve.
Year Ended December 31, 2020 Compared to Year Ended December 31,
          2019
Overview
The change in capital and surplus was
          unfavorable in 2020, but lower than 2019 due to hedging impacts as a result of equity market increases. Capital and surplus was also unfavorably impacted in 2020 by increases in asset adequacy reserves in the Individual Annuities segment and by a
          Premium Deficiency Reserves (PDR) related to LTC in the Other segment. Also impacting capital in surplus was a higher income tax expense compared to the prior year.
Income
•
Premium and annuity considerations
:
Premium and annuity
          considerations increased primarily due to the continued growth of the variable-indexed annuity product which was impacted by competitive product features and a stronger sales focus compared to traditional variable annuity products in the
          Individual Annuities segment.
•
Net investment income:
Net investment income
          decreased primarily due to a decrease in average invested assets backing general account policyholder liabilities as a result of the continued run-off of the Company's fixed annuity block of business. Assets supporting the general account
          decreased despite increased premiums because the significant products are in separate account.
•
Ceded reinsurance reserve and expense adjustments:
Ceded reinsurance reserve and expense adjustments increased primarily due to the ceded expense allowance on the term life product.
•
Fees from separate accounts
:
Fees from separate accounts
          decreased primarily due to lower M&E and benefit rider income from the effects of negative equity markets in early 2020, which resulted in lower average traditional variable annuity separate account assets in 2020. The decrease was partially
          offset by lower variable annuity surrenders.
Benefits and Other Expenses
•
Policyholder benefits and surrenders
:
Policyholder benefits and
          surrenders decreased primarily due to a decrease in variable and fixed surrender benefits driven by policyholder activity.
Selected Financial Data and Management's Discussion and Analysis
Page 6 of 14
•
Change in aggregate reserves:
Change in aggregate reserves
          was driven by higher variable-indexed premium and annuity considerations and additional asset adequacy reserves that were established for both the variable and fixed annuity lines of business as a result of annual cash flow testing. This is
          partially offset by fixed annuity reserve decreases due to the continued run-off of the closed block of business.
•
General and administrative and commission:
General and
          administrative and commission increased primarily due to higher variable indexed-annuity commissions as a result of an increase in production.
•
Net transfers to separate accounts:
Net transfers to separate accounts increase is driven by new premium and policyholder withdrawals, and increased due to higher separate account premium.
•
Income tax expense (benefit)
:
The pre-tax income expense
          in 2020 as compared to the pre-tax benefit in 2019 was driven by pre-tax income and hedging impacts.
•
Net realized capital gain (loss):
Net realized capital losses are driven by fewer losses on derivatives hedging guarantees in our Individual
          Annuities segment due to less positive equity markets.
Capital and Surplus
•
Change in unrealized capital gain (loss):
Unrealized capital losses
          are primarily due to losses on derivatives hedging guarantees in our Individual Annuities segment due to positive equity markets.
•
Other change in capital and surplus:
Other change in capital and
          surplus increase was driven by an increase in net deferred income taxes as a result of losses on derivatives hedging guarantees due to favorable equity market impacts.
Selected Financial Data and Management's Discussion and Analysis
Page 7 of 14
The following tables provide the results of operations for the
          Individual Annuities and Other segments:
Individual Annuities
Segment Results of Operations
Year ended December 31,
Increase
                  (decrease) and % change
Increase
                  (decrease) and % change
2021
2020
2019
2021 - 2020
2020 - 2019
Income:
Premium and annuity considerations*
$
686,652
429,006
373,869
$
257,646
60.1
%
$
55,137
14.7
%
Net investment
                  income
12,181
14,100
16,813
(1,919)
(13.6)
(2,713)
(16.1)
Fees from
                  separate accounts
66,792
66,045
68,960
747
1.1
(2,915)
(4.2)
Total
                  income
765,625
509,151
459,642
256,474
50.4
49,509
10.8
Benefits and
                  other expenses:
Policyholder
                  benefits and surrenders
279,788
241,717
254,424
38,071
15.8
(12,707)
(5.0)
Change in
                  aggregate reserves
(25,127)
(5,248)
(16,098)
(19,879)
(378.8)
10,850
67.4
General and
                  administrative and commission
76,484
55,706
51,799
20,778
37.3
3,907
7.5
Net transfers
                  to separate accounts
358,538
186,015
134,980
172,523
92.7
51,035
37.8
Total
                  benefits and other expenses
689,683
478,190
425,105
211,493
44.2
53,085
12.5
Pretax
                  income (loss)
75,942
30,961
34,537
44,981
145.3
(3,576)
(10.4)
Income tax
                  expense (benefit)
6,675
1,465
(12,727)
5,210
355.6
%
14,192
111.5
%
Net realized
                  capital (loss) gain
(59,965)
(41,117)
(70,099)
(18,848)
(45.8)
28,982
41.3
Net income
                  (loss)
$
9,302
(11,621)
(22,835)
$
20,923
180.0
%
$
11,214
49.1
%
Capital and Surplus:
Change in
                  unrealized capital gain (loss)
$
1,627
(1,873)
(9,089)
$
3,500
186.9
%
$
7,216
79.4
%
Other change
                  in capital & surplus
(88)
1,697
(629)
(1,785)
(105.2)
2,326
369.8
Net change
                  in capital & surplus
$
10,841
$
(11,797)
$
(32,553)
$
22,638
191.9
%
$
20,756
63.8
%
*Includes
                  premiums and annuity and supplementary contract considerations.
Selected Financial Data and Management's Discussion and Analysis
Page 8 of 14
Other
Segment Results of Operations
Year ended December 31,
Increase
                  (decrease) and % change
Increase
                  (decrease) and % change
2021
2020
2019
2021 - 2020
2020 - 2019
Income:
Premium and annuity considerations
$
2,950
2,938
3,050
$
12
0.4
%
$
(112)
(3.7)
%
Net investment
                  income
3,996
3,927
3,053
69
1.8
874
28.6
Ceded reinsurance reserve and expense
                  adjustments
578
291
181
287
98.6
110
60.8
Total
                  income
7,524
7,156
6,284
368
5.1
872
13.9
Benefits and other expenses:
Policyholder
                  benefits and surrenders
1,745
2,815
1,462
(1,070)
(38.0)
1,353
92.5
Change in aggregate reserves
7,962
7,090
18,601
872
12.3
(11,511)
(61.9)
General and
                  administrative and commission
1,870
1,168
830
702
60.1
338
40.7
Total benefits and other expenses
11,577
11,073
20,893
504
4.6
(9,820)
(47.0)
Pretax (loss) income
(4,053)
(3,917)
(14,609)
(136)
(3.5)
10,692
73.2
Income tax expense (benefit)
(356)
(185)
5,384
(171)
(92.4)
(5,569)
(103.4)
Net realized
                  capital gain (loss)
8
(103)
4
111
107.8
(107)
(2,675.0)
Net income (loss)
$
(3,689)
(3,835)
(19,989)
$
146
3.8
%
$
16,154
80.8
%
Capital and Surplus:
Change in unrealized capital gain
                  (loss)
$
(93)
28
152
$
(121)
(432.1)
%
$
(124)
(81.6)
%
Other change
                  in capital & surplus
(18)
237
(20)
(255)
(107.6)
%
257
1,285.0
Net change in capital & surplus
$
(3,800)
(3,570)
(19,857)
$
(230)
(6.4)
$
16,287
82.0
Financial Condition
Investment Strategy
Our investment strategy focuses on
          diversification by asset class. We seek to achieve economic diversification, while reducing overall credit and liquidity risks. We attempt to mitigate these credit and liquidity risks by adhering to investment policies that provide portfolio
          diversification on an asset class, creditor, and industry basis, and by complying with investment limitations governed by state insurance laws and regulations, as applicable. We also consider all relevant objective information available in
          estimating the cash flows related to structured securities. We actively monitor and manage exposures, and determine whether any securities are impaired. The aggregate credit risk taken in the investment portfolio is influenced by our risk/return
          preferences, the economic and credit environment, and the ability to manage this risk through liability portfolio management. We also have an asset-liability management strategy to align cash flows and duration of the investment portfolio with
          contractholder liability cash flows and duration.
Selected Financial Data and Management's Discussion and Analysis
Page 9 of 14
The following table presents the investment portfolio at
          December 31:
2021
2020
Carrying Value
% of total
Carrying Value
% of total
Bonds
$
580,114
95.0
%
$
572,795
97.0
%
Cash and cash
                  equivalents
29,047
4.8
16,637
2.8
Policy loans
106
—
143
—
Derivative assets
700
0.1
341
0.1
Receivables for
                  securities
724
0.1
490
0.1
Total cash
                  and invested assets
$
610,691
100.0
%
$
590,406
100.0
%
Bonds
Refer to Note 5 of the audited Statutory Financial Statements for
          information regarding the nature of our portfolio of bonds. The tables below set forth the NAIC Securities Valuation Office quality ratings for the Companies bond portfolio at December 31, 2021 and 2020.
2021
NAIC Classes
Fair Value
% of Total
Amortized Cost
% of Total
1
$
366,499
59.4
%
$
351,132
60.6
%
2
241,412
39.2
221,262
38.1
Investment
                  grade
607,911
98.6
572,394
98.7
3
8,016
1.3
7,196
1.2
4
555
0.1
524
0.1
5
—
—
—
—
6
—
—
—
—
Below
                  investment grade
8,571
1.4
7,720
1.3
Total
$
616,482
100.0
%
$
580,114
100.0
%
2020
NAIC Classes
Fair Value
% of Total
Amortized Cost
% of Total
1
$
401,626
63.4
%
$
370,754
64.7
%
2
216,459
34.2
188,559
32.9
Investment
                  grade
618,085
97.6
559,313
97.6
3
14,442
2.3
12,955
2.3
4
580
0.1
527
0.1
5
—
—
—
—
6
—
—
—
—
Below
                  investment grade
15,022
2.4
13,482
2.4
Total
$
633,107
100.0
%
$
572,795
100.0
%
Selected Financial Data and Management's Discussion and Analysis
Page 10 of 14
Commercial Mortgage-backed
and Asset-backed Securities
Commercial mortgage-backed securities (CMBS) represent pools of
          commercial mortgages that are broadly diversified across property types and geographical areas. The following table summarizes our exposure to CMBS holdings by NAIC classes and vintage year as of December 31:
2021
NAIC Classes
% of total CMBS
Vintage
1
$
83,279
100.0
%
2021
$
—
—
%
2
—
—
2020
2,464
3.0
3
—
—
1
2019
3,750
4.5
4
—
—
2018
8,093
9.7
5
—
—
2017 and prior
68,972
82.8
6
—
—
$
83,279
100.0
%
$
83,279
100.0
%
2020
NAIC Classes
% of total CMBS
Vintage
1
$
90,119
100.0
%
2020
$
2,472
2.7
%
2
—
—
2019
3,782
4.2
3
—
—
2018
8,107
9.0
4
—
—
2017
11,611
12.9
5
—
—
2016 and prior
64,147
71.2
6
—
—
$
90,119
100.0
%
$
90,119
100.0
%
Asset backed security (ABS) holdings consist primarily of aircraft
          leases, credit card receivables and other asset-backed securities that meet specific criteria, such as credit quality, insurance requirements, or limits on these types of investments.
The following table summarizes our exposure to other ABS holdings by
          NAIC classes and vintage year as of December 31:
2021
NAIC Classes
% of total other
                  ABS
Vintage
1
$
2,881
100.0
%
2021
$
2,800
97.2
%
2
—
—
2020
—
—
3
—
—
2019
—
—
4
—
—
2018
—
—
5
—
—
2017 and prior
81
2.8
6
—
—
$
2,881
100.0
%
$
2,881
100.0
%
2020
NAIC Classes
% of total other ABS
Vintage
1
$
142
100.0
%
2020
$
—
—
%
2
—
—
2019
—
—
3
—
—
2018
—
—
4
—
—
2017
—
—
5
—
—
2016 and prior
142
100.0
6
—
—
$
142
100.0
%
$
142
100.0
%
Selected Financial Data and Management's Discussion and Analysis
Page 11 of 14
Unrealized investment losses of bonds, for investment grade (NAIC
          classes 1-2) and below investment grade (NAIC classes 3-6) securities by duration are as follows at December 31:
2021
Investment Grade
% of Total
Below Investment
                  Grade
% of Total
Twelve months or less
                  below fair value
$
2,970
71.0
%
$
9
0.2
%
More than twelve
                  months below fair value
1,203
28.8
—
—
Total
$
4,173
99.8
%
$
9
0.2
%
2020
Investment Grade
% of Total
Below Investment
                  Grade
% of Total
Twelve months or less
                  below fair value
$
352
100.0
%
$
—
—
%
More than twelve
                  months below fair value
—
—
—
—
Total
$
352
100.0
%
$
—
—
%
See Note 5 of the audited Statutory Financial Statements for
          additional disclosures in regards to unrealized investment losses of bonds.
Other-than-temporary impairments, by market sector, for impairments
          included in the Statements of Operations, were as follows at December 31:
2021
2020
Impairment
No. of
                  Securities
Impairment
No. of
                  Securities
Corporate securities
$
—
—
$
1,484
4
Refer to Note 6 of the audited Statutory Financial Statements for
          information regarding the fair value and fair value hierarchy level of our financial instruments.
Liquidity and Capital Resources
Overview
The Company's liquidity requirements are generally met through funds
          provided by investment income, receipt of insurance premiums, M&E fees and benefit rider income, and maturities and sales of investments.
The Company does not utilize the capital markets as a source of
          capital. Should the need for capital arise, the Company may utilize its parent, Allianz Life, as an alternative source of funding. The Company has a line of credit agreement with its parent, Allianz Life, to provide liquidity to the Company, as
          needed. The Company's borrowing capacity under the agreement is limited to 5% of the Company's general account admitted assets as of the preceding year end. As of December 31, 2021 and 2020, there are no amounts outstanding under the line of
          credit agreement. In addition, if capital infusions are deemed necessary, the Company obtains prior approval by the Department, as appropriate.
The primary uses of funds are policy benefits, commissions, other
          product-related acquisition costs, investment purchases, and operating expenses. The Company routinely reviews its sources and uses of funds in order to meet its ongoing obligations.
Financial Ratings and Strength
We received the following financial strength ratings as of
          December 31, 2021:
•
AM Best    A+ (Superior)
•
S&P        AA (Very Strong)
The financial strength ratings are influenced by many factors
          including the operating and financial performance, asset quality, liquidity, asset/liability management, overall portfolio mix, financial leverage, and exposure to risks.
Selected Financial Data and Management's Discussion and Analysis
Page 12 of 14
Cash Flows
The cash flows of the Company for the years ended December 31, 2021,
          2020, and 2019 are summarized in the condensed table below:
Year ended December 31,
2021
2020
2019
Net cash provided by operating activities
$
79,047
38,478
28,664
Net cash used in
                  investing activities
(67,319)
(61,112)
(32,994)
Net cash provided by
                  (used in) financing and miscellaneous activities
682
(1,742)
(2,296)
Net increase (decrease) in cash and cash equivalents
$
12,410
(24,376)
(6,626)
We have the funds necessary to meet capital requirements in the
          state of New York and to support our operations.
The increase in net cash provided by
          operating activities in 2021 compared to 2020 is primarily due to an increase in premiums and other income. This was partially offset by an increase in surrenders and annuity benefits, an increase in commissions, lower net investment income, and
          an increase in income taxes paid. The increase in net cash provided by operating activities in 2020 compared to 2019 is primarily due to an increase in premiums and a decrease in income taxes paid. This was partially offset by an increase in
          surrenders and annuity benefits, an increase in commissions and lower net investment income.
The increase in cash flow used in investing
          activities in 2021 compared to 2020 was primarily driven by derivative cash impacts, partially offset by a net increase in bond purchases. The increase in cash flow used in investing activities in 2020 compared to 2019 was primarily driven by a
          net increase in bond purchases partially offset by derivative cash impacts.
The increase in cash provided by financing
          activities in 2021 compared to 2020 is primarily due to the change in payable from parent, and a decrease in cash used by other miscellaneous activities. The decrease in cash provided by financing activities in 2020 compared to 2019 is primarily
          due to the change in payable from parent mostly offset by other miscellaneous activities.
Risk-Based Capital
See Note 15 of the audited Statutory Financial Statements for
          information regarding the Risk-Based Capital (RBC). The Company's RBC ratio significantly exceeds required minimum thresholds as of December 31, 2021 and 2020.
Statutory Surplus and Dividends
The Company is required to meet minimum statutory capital and
          surplus requirements. The Company's statutory capital and surplus as of December 31, 2021 and 2020 were in compliance with these requirements. The maximum amount of dividends that can be paid by New York insurance companies to stockholders
          without prior approval of the Department is subject to restrictions relating to statutory earned surplus, also known as unassigned funds. Unassigned funds are determined in accordance with the accounting procedures and practices governing
          preparation of the statutory annual statement. In accordance with New York statutes, the Company may declare and pay from its Unassigned surplus cash dividends of not more than the greater of 10% of its beginning-of-the year statutory surplus, or
          its net gain from operations of the insurer, not including realized gains, for the 12-month period ending the 31st day of the preceding year. Based on these restrictions, ordinary dividends of $16,301 can be paid in 2022 without the approval of
          the Department. The Company paid no dividends and received no capital contributions in 2021, 2020 or 2019.
Commitments & Contingencies
See Note 18 of the audited Statutory Financial Statements for
          information regarding commitments and contingencies
The Company has contractual obligations in the form of Policyholder
          liabilities, see Notes 10 through 12 of the audited Statutory Financial Statements for additional information regarding our annuity and life actuarial reserves, deposit liabilities, and separate accounts.
Off-Balance Sheet Arrangements
The Company does not have any off-balance sheet transactions,
          arrangements or other relationships that management believes would be reasonably likely to have a material effect on the Company's liquidity or the requirements for capital resources.
Selected Financial Data and Management's Discussion and Analysis
Page 13 of 14
The Company utilizes exchange-traded futures to economically hedge
          certain product liabilities. Under this kind of transaction, the Company agrees to purchase a specified number of contracts and settles the variation margin with the counterparty on a daily basis in an amount equal to the change in the market
          value of the underlying contracts from the close of the previous trading day. The parties with whom the Company enters into the exchange-traded futures contracts are regulated futures commission's merchants who are members of a trading exchange.
The Company is exposed to credit-related losses in the event of
          non-performance by counterparties under the terms of the futures contracts. The Company minimizes counterparty credit risk by establishing relationships only with counterparties rated BBB+ and higher. Given the credit ratings of the
          counterparties with which the Company transacts, the Company does not expect any counterparties to fail to meet their obligations. The Company has also executed Credit Support Annex (CSA) agreements with all active counterparties and requires a
          CSA from all new counterparties added to the Company's counterparty pool. The CSA agreements further limit the Company's counterparty credit risk by requiring the counterparty to post collateral to a segregated custodial account based on the net
          exposure to the Company.
As the Company's futures transactions are executed through a
          regulated exchange, positions are marked-to-market and settled on a daily basis, and collateral is posted prior to execution of a transaction. The Company has minimal exposure to credit-related losses in the event of non-performance. The Company
          is required to post collateral for any futures, options and swap contracts that are executed. The amount of collateral required is determined by the exchange on which the contract is traded. Refer to Note 5 in the audited Statutory Financial
          Statements for additional information regarding derivative collateral posted.
Item 11(j).
Quantitative and Qualitative Disclosures about Market Risk
Market risk is the risk of the loss of fair value resulting from
          adverse changes in market rates and prices, such as interest rates and equity prices. Market risk is directly influenced by the volatility and liquidity in the markets in which the related underlying financial instruments are traded. Reference
          Note 4 of the audited Statutory Financial Statements for additional details on how we mitigate our market exposure risk and our overall risk management practices.
Sensitivity Analysis
To assess the impact of changes in interest rate and equity markets,
          we perform sensitivity tests. Sensitivity tests measure the instantaneous impact of a single hypothetical interest rate or equity price change on our post-tax income, or fair value of an asset or liability, while holding all other rates or prices
          constant. To assess interest rate risk, we perform a sensitivity test which instantaneously shocks interest rates across all maturities by a hypothetical 50 basis points (bps). To assess equity risk, we perform a sensitivity test which
          instantaneously shocks all equity prices by a hypothetical 15%.
Interest Rate Risk
One means of assessing exposure to interest rate changes is to
          measure the potential change in the statutory value of an asset due to a hypothetical change in interest rates of 50 bps across all maturities. We noted that under this model, with all other factors remaining constant, a 50 bps increase in
          interest rates would cause our post-tax income to increase by $6,997 as of December 31, 2021.
We also examined the impact on after tax income due to a
          hypothetical decrease in interest rates of 50 bps across all maturities. Under this model, with all other factors being constant, we estimated that such a decline would cause our post-tax income to decrease by $11,619 as of December 31, 2021.
          Note that the impacts referenced reflect the net of economic hedge impact and does not include economic impact related to our fixed-income investment portfolio or economic changes in reserve calculations.
Equity Market Risk
One means of assessing exposure to changes in equity market prices
          is to estimate the potential changes in post-tax income from a hypothetical change in equity market prices of 15%. Under this model, with all other factors constant, we estimated that a decrease in equity market prices would cause our post-tax
          income to decrease by $8,091, while an increase in equity market prices would cause our post-tax income to decrease by $26,237 based on our equity exposure as of December 31, 2021. Note that the impacts referenced reflect the net of economic
          hedge impact and does not include economic impact related to our fixed-income investment portfolio or economic changes in reserve calculations.
Selected Financial Data and Management's Discussion and Analysis
Page 14 of 14
ALLIANZ LIFE INSURANCE COMPANY OF NEW YORK
Statutory Financial Statements
December 31, 2021 and 2020
(With Report of Independent Auditors Thereon)
Report of Independent Auditors
To the Board of Directors of Allianz Life Insurance Company of New York
Opinions
We have audited the accompanying statutory financial statements of Allianz Life Insurance Company of New York (the "Company"),
          which comprise the statutory statements of admitted assets, liabilities, and capital and surplus as of December 31, 2021 and 2020, and the related statutory statements of operations, of capital and surplus, and of cash flow for each of the three
          years in the period ended December 31, 2021, including the related notes (collectively referred to as the "financial statements").
Unmodified Opinion on Statutory Basis of Accounting
In our opinion, the accompanying financial statements present fairly, in all material respects, the admitted assets, liabilities
          and capital and surplus of the Company as of December 31, 2021 and 2020, and the results of its operations and its cash flows for each of the three years in the period ended December 31, 2021, in accordance with the accounting practices
          prescribed or permitted by the New York State Department of Financial Services described in Note 2.
Adverse Opinion on U.S. Generally Accepted Accounting Principles
In our opinion, because of the significance of the matter discussed in the Basis for Adverse Opinion on U.S. Generally Accepted
          Accounting Principles section of our report, the accompanying financial statements do not present fairly, in accordance with accounting principles generally accepted in the United States of America, the financial position of the Company as of
          December 31, 2021 and 2020, or the results of its operations or its cash flows for each of the three years in the period ended December 31, 2021.
Basis for Opinions
We conducted our audit in accordance with auditing standards generally accepted in the United States of America (US GAAS). Our
          responsibilities under those standards are further described in the Auditors' Responsibilities for the Audit of the Financial Statements section of our report. We are required to be independent of the Company and to meet our other ethical
          responsibilities, in accordance with the relevant ethical requirements relating to our audit. We believe that the audit evidence we have obtained is sufficient and appropriate to provide a basis for our audit opinion.
Basis for Adverse Opinion on U.S. Generally Accepted Accounting Principles
As described in Note 2 to the financial statements, the financial statements are prepared by the Company on the basis of the
          accounting practices prescribed or permitted by the New York State Department of Financial Services, which is a basis of accounting other than accounting principles generally accepted in the United States of America.
The effects on the financial statements of the variances between the statutory basis of accounting described in Note 2 and
          accounting principles generally accepted in the United States of America, although not reasonably determinable, are presumed to be material.
Responsibilities of Management for the Financial Statements
Management is responsible for the preparation and fair presentation of the financial statements in accordance with the
          accounting practices prescribed or permitted by the New York State Department of Financial Services. Management is also responsible for the design, implementation, and maintenance of internal control relevant to the preparation and fair
          presentation of financial statements that are free from material misstatement, whether due to fraud or error.
In preparing the financial statements, management is required to evaluate whether there are conditions or events, considered in
          the aggregate, that raise substantial doubt about the Company's ability to continue as a going concern for one year after the date the financial statements are available to be issued.
1 of 42
Auditors' Responsibilities for the Audit of the Financial Statements
Our objectives are to obtain reasonable assurance about whether the financial statements as a whole are free from material
          misstatement, whether due to fraud or error, and to issue an auditors' report that includes our opinion. Reasonable assurance is a high level of assurance but is not absolute assurance and therefore is not a guarantee that an audit conducted in
          accordance with US GAAS will always detect a material misstatement when it exists. The risk of not detecting a material misstatement resulting from fraud is higher than for one resulting from error, as fraud may involve collusion, forgery,
          intentional omissions, misrepresentations, or the override of internal control. Misstatements are considered material if there is a substantial likelihood that, individually or in the aggregate, they would influence the judgment made by a
          reasonable user based on the financial statements.
In performing an audit in accordance with US GAAS, we:
a.
Exercise professional judgment and maintain professional skepticism throughout the audit.
b.
Identify and assess the risks of material misstatement of the financial statements, whether due to fraud or error, and design and perform audit procedures
          responsive to those risks. Such procedures include examining, on a test basis, evidence regarding the amounts and disclosures in the financial statements.
c.
Obtain an understanding of internal control relevant to the audit in order to design audit procedures that are appropriate in the circumstances, but not for
          the purpose of expressing an opinion on the effectiveness of the Company's internal control. Accordingly, no such opinion is expressed.
d.
Evaluate the appropriateness of accounting policies used and the reasonableness of significant accounting estimates made by management, as well as evaluate the
          overall presentation of the financial statements.
e.
Conclude whether, in our judgment, there are conditions or events, considered in the aggregate, that raise substantial doubt about the Company's ability to
          continue as a going concern for a reasonable period of time.
We are required to communicate with those charged with governance regarding, among other matters, the planned scope and timing
          of the audit, significant audit findings, and certain internal control-related matters that we identified during the audit.
/s/PricewaterhouseCoopers LLP
Minneapolis, Minnesota
April 4, 2022
2 of 42
ALLIANZ LIFE INSURANCE COMPANY OF NEW YORK
Statutory Statements of Admitted Assets, Liabilities, and Capital and Surplus
December 31, 2021 and 2020
(Dollars in thousands, except share data)
Admitted Assets
2021
2020
Cash and invested
                  assets:
Bonds
$
580,114
572,795
Cash and
                  cash equivalents
29,047
16,637
Policy
                  loans
106
143
Derivative
                  assets
700
341
Receivables
                  for securities
724
490
Total cash
                  and invested assets
610,691
590,406
Investment income due
                  and accrued
4,480
4,744
Deferred tax asset,
                  net
6,772
6,487
Other assets
2,313
2,117
Admitted
                  assets, exclusive of separate account assets
624,256
603,754
Separate account
                  assets
4,447,304
3,773,866
Total
                  admitted assets
$
5,071,560
4,377,620
3 of 42
ALLIANZ LIFE INSURANCE COMPANY OF NEW YORK
Statutory Statements of Admitted Assets, Liabilities, and Capital and Surplus
December 31, 2021 and 2020
(Dollars in thousands, except share data)
Liabilities and Capital and Surplus
2021
2020
Policyholder
                  liabilities:
Life
                  policies and annuity contracts
$
388,469
413,759
Accident
                  and health policies
78,678
70,999
Deposit-type
                  contracts
6,122
4,956
Life
                  policy and contract claims
71
23
Accident
                  and health policy and contract claims
258
274
Total
                  policyholder liabilities
473,598
490,011
General expenses due
                  and accrued
494
761
Due from separate
                  accounts
(38,810)
(60,293)
Payable to parent and
                  affiliates
4,793
3,902
Current income taxes
6,005
1,978
Asset valuation
                  reserve
10,141
7,496
Other liabilities
5,025
3,930
Liabilities,
                  exclusive of separate account liabilities
461,246
447,785
Separate account
                  liabilities
4,447,304
3,773,866
Total
                  liabilities
4,908,550
4,221,651
Capital and surplus:
Common
                  stock, $10 par value. Authorized, issued, and outstanding 200,000 shares at December 31, 2021 and 2020
2,000
2,000
Additional
                  paid-in capital
72,500
72,500
Unassigned
                  surplus
88,510
81,469
Total capital
                  and surplus
163,010
155,969
Total
                  liabilities and capital and surplus
$
5,071,560
4,377,620
See accompanying notes
                  to statutory financial statements.
4 of 42
ALLIANZ LIFE INSURANCE COMPANY OF NEW YORK
Statutory Statements of Operations
Years ended December 31, 2021, 2020, and 2019
(Dollars in thousands)
2021
2020
2019
Income:
Premiums
                  and annuity considerations
$
688,560
428,499
375,015
Consideration
                  for supplementary contracts
1,042
3,445
1,904
Net
                  investment income
16,177
18,028
19,866
Commissions
                  and expense allowances on reinsurance ceded
578
291
181
Fees from
                  separate accounts
66,792
66,045
68,960
Total
                  income
773,149
516,308
465,926
Benefits and other
                  expenses:
Policyholder
                  benefits
40,707
34,640
33,083
Surrenders
240,826
209,892
222,802
Change in
                  aggregate reserves and deposit funds
(17,165)
1,842
2,503
Commissions
                  and other agent compensation
47,602
31,709
28,312
General
                  and administrative expenses
30,752
25,166
24,318
Net
                  transfers to separate accounts
358,538
186,015
134,980
Total
                  benefits and other expenses
701,260
489,264
445,998
Income from operations before income taxes and net realized capital gain
71,889
27,044
19,928
Income tax expense
                  (benefit)
6,319
1,280
(7,343)
Net income from operations before net realized capital gain
65,570
25,764
27,271
Net realized capital gain (loss), net of taxes and interest maintenance reserve
(59,957)
(41,220)
(70,095)
Net income
                  (loss)
$
5,613
(15,456)
(42,824)
See accompanying notes
                  to statutory financial statements.
5 of 42
ALLIANZ LIFE INSURANCE COMPANY OF NEW YORK
Statutory Statements of Capital and Surplus
Years ended December 31, 2021, 2020, and 2019
(Dollars in thousands)
2021
2020
2019
Capital and
                  surplus at beginning of year
$
155,969
171,336
223,746
Net income
                  (loss)
5,613
(15,456)
(42,824)
Change in
                  unrealized capital gain (loss)
1,534
(1,845)
(8,937)
Change in
                  net deferred income tax
3,807
5,397
3,356
Change in
                  nonadmitted assets
(1,308)
(1,698)
(2,712)
Other
                  changes in capital and surplus
(2,605)
(1,765)
(1,293)
Capital
                  and surplus at end of year
$
163,010
155,969
171,336
See accompanying notes
                  to statutory financial statements.
6 of 42
ALLIANZ LIFE INSURANCE COMPANY OF NEW YORK
Statutory Statements of Cash Flow
Years ended December 31, 2021, 2020, and 2019
(Dollars in thousands)
2021
2020
2019
Cash flows from
                  operating activities:
Revenues:
Premiums
                  and annuity considerations, net
$
689,603
432,042
376,831
Net
                  investment income
19,340
21,039
22,640
Other
                  income
67,367
66,336
69,139
Total cash
                  provided by operating activities
776,310
519,417
468,610
Benefits
                  and expenses paid:
Benefit
                  and loss-related payments
279,458
242,416
254,810
Commissions,
                  expenses paid, and aggregate write-ins for deductions
78,441
56,583
52,455
Net
                  transfers to separate accounts
337,054
189,376
131,928
Income tax
                  paid (benefit received), net
2,310
(7,436)
753
Total cash
                  used in operating activities
697,263
480,939
439,946
Net cash
                  provided by operating activities
79,047
38,478
28,664
Cash flows from
                  investing activities:
Proceeds
                  from investments sold, matured, or repaid:
Bonds
82,882
152,052
149,505
Miscellaneous
                  proceeds
36
374
1,006
Total cash
                  provided by investing activities
82,918
152,426
150,511
Cost of
                  investments acquired:
Bonds
91,367
171,141
100,701
Derivatives
58,296
42,397
82,804
Miscellaneous
                  applications
574
—
—
Total cash
                  used in investing activities
150,237
213,538
183,505
Net cash used
                  in investing activities
(67,319)
(61,112)
(32,994)
Cash flows from
                  financing and miscellaneous activities:
Change in
                  payable to parent and affiliates
891
518
(1,308)
Other
(209)
(2,260)
(988)
Net cash
                  provided by (used in) financing and miscellaneous activities
682
(1,742)
(2,296)
Net increase (decrease) in cash and cash equivalents
12,410
(24,376)
(6,626)
Cash and cash
                  equivalents:
Beginning
                  of year
16,637
41,013
47,639
End of
                  year
$
29,047
16,637
41,013
See accompanying notes
                  to statutory financial statements.
7 of 42
ALLIANZ LIFE INSURANCE COMPANY OF NEW YORK
Notes to the Statutory Financial Statements
(Dollars in thousands, except share data and security holdings quantities)
(1)
Organization and Nature of Operations
Allianz Life Insurance Company of New York (the
          Company) is a wholly-owned subsidiary of Allianz Life Insurance Company of North America (Allianz Life), which is a wholly-owned subsidiary of Allianz of America, Inc. (AZOA). AZOA is a wholly-owned subsidiary of Allianz Europe, B.V., which is a
          wholly-owned subsidiary of Allianz SE. Allianz SE is a European company registered in Munich, Germany, and is the Company's ultimate parent.
The Company is a life insurance company licensed
          to sell annuity, group and individual life, individual long-term care (LTC), and group accident and health policies in six states and the District of Columbia. Based on statutory net premium written, the Company's business is predominately
          annuity. The annuity business consists of variable-indexed and variable annuities. The life business includes individual life and consists entirely of term life policies. Accident and health business consists principally of LTC insurance. The
          Company has discontinued selling fixed annuity and LTC products. The Company's primary distribution channel is through broker-dealers.
After evaluating the Company's ability to continue
          as a going concern, management is not aware of any conditions or events which raise substantial doubt concerning the Company's ability to continue as a going concern as of the date of filing these Statutory Financial Statements.
(2)    Summary of Significant Accounting Policies
(a)
Basis of Presentation
The Statutory Financial Statements have been
          prepared in accordance with accounting practices prescribed or permitted by the New York State Department of Financial Services (the Department). The Department recognizes statutory accounting practices prescribed or permitted by the state of New
          York for determining and reporting the financial condition and results of operations of an insurance company and its solvency under New York insurance law. The state of New York has adopted the National Association of Insurance Commissioners
          (NAIC)
Accounting Practices and Procedures Manual
as its prescribed basis of statutory accounting principles (SAP). The state of New York has also adopted certain prescribed accounting practices that differ from those found
          in NAIC SAP. The Company has no material statutory accounting practices that differ from those of the Department or NAIC SAP. These practices differ in some respects from accounting principles generally accepted in the United States of America
          (U.S. GAAP). The effects of these differences, while not quantified, are presumed to be material to the Statutory Financial Statements. The more significant of these differences are as follows:
(1)    Acquisition costs, such
          as commissions and other costs incurred in connection with acquiring new and renewal business, are charged to current operations as incurred. Under U.S. GAAP, acquisition costs that are directly related to the successful acquisition of insurance
          contracts are capitalized and charged to operations as the corresponding revenues or future profits are recognized.
(2)    Aggregate reserves for
          life policies and annuity contracts, excluding variable annuities, are based on statutory mortality and interest assumptions without consideration for lapses or withdrawals. Under U.S. GAAP, aggregate reserves consider lapses and withdrawals.
(3)    Ceded reinsurance
          recoverable are netted against their related reserves within Policyholder liabilities, Life policies and annuity contracts and Life policy and contract claims, on the Statutory Statements of Admitted Assets, Liabilities, and Capital and Surplus.
          Under U.S. GAAP, these ceded reserves are presented on a gross basis as an asset.
(4)    Bonds are carried at
          values prescribed by the NAIC, generally amortized cost, except for those with an NAIC rating of 6, which are reported at the lower of amortized cost or fair value. Under U.S. GAAP, bonds classified as "available-for-sale" are carried at fair
          value, with unrealized gains and losses recorded in stockholder's equity.
(5)    Changes in deferred
          income taxes are recorded directly to Unassigned surplus. Under U.S. GAAP, these items are recorded as an item of income tax benefit or expense in operations. Moreover, under NAIC SAP, a valuation allowance may be recorded against the deferred
          tax asset (DTA) and admittance
8 of 42
ALLIANZ LIFE INSURANCE COMPANY OF NEW YORK
Notes to the Statutory Financial Statements
(Dollars in thousands, except share data and security holdings quantities)
testing may result in an additional charge to
          capital and surplus for nonadmitted portions of DTAs. Under U.S. GAAP, a valuation allowance may be recorded against the DTA and reflected as an expense.
(6)    The Company is required
          to establish an asset valuation reserve (AVR) liability and an interest maintenance reserve (IMR) liability. The AVR provides for a standardized statutory investment valuation reserve for certain invested assets. Changes in this reserve are
          recorded as direct charges or credits to Unassigned surplus. The IMR is designed to defer net realized capital gains and losses resulting from changes in the level of prevailing market interest rates and amortize them into income within the
          Statutory Statements of Operations over the remaining life of the investment sold. The IMR represents the unamortized portion of applicable investment gains and losses as of the balance sheet date. There is no such concept under U.S. GAAP.
(7)    Certain assets
          designated as "nonadmitted assets" are not recognized and are charged directly to Unassigned surplus within the Statutory Statements of Capital and Surplus. These include, but are not limited to, furniture and fixtures, prepaid expenses,
          receivables outstanding greater than 90 days, negative IMR, and portions of DTAs. There is no such concept under U.S. GAAP.
(8)    A provision is made for
          amounts ceded to unauthorized reinsurers in excess of collateral in the form of a trust or letter of credit through a direct charge to Unassigned surplus within the Statutory Statements of Capital and Surplus. There is no such requirement under
          U.S. GAAP.
(9)    Revenues for universal
          life policies and annuity contracts, excluding deposit-type contracts, are recognized as revenue when received within the Statutory Statements of Operations. Under U.S. GAAP, policy and contract fees charged for the cost of insurance, policy
          administrative charges, amortization of policy initiation fees, and surrender contract charges are recorded as revenues when earned.
(10)    Benefits for universal
          life policies and annuity contracts within the Statutory Statements of Operations, excluding deposit-type contracts, consist of payments made to policyholders. Under U.S. GAAP, benefits represent interest credited, and claims and benefits
          incurred in excess of the policyholder's contract balance.
(11)    Changes in the fair
          value of derivatives are recorded as direct adjustments to Unassigned surplus as a component of Change in unrealized capital gains (losses) within the Statutory Statements of Capital and Surplus. Under U.S. GAAP, changes in the fair value of
          derivatives are recorded in derivative income (loss) as part of operating income.
(12)    Commissions allowed by
          reinsurers on business ceded are reported as income when received within the Statutory Statements of Operations. Under U.S. GAAP, such commissions are deferred and amortized as a component of deferred acquisition costs to the extent recoverable.
(13)    The Statutory Financial
          Statements do not include a statement of comprehensive income as required under U.S. GAAP.
(14)    The Statutory Statements
          of Cash Flow do not classify cash flows consistent with U.S. GAAP and a reconciliation of net income to net cash provided from operating activities is not provided.
(15)    The calculation of
          reserves and transfers in the separate account statement requires the use of a Commissioners Annuity Reserve Valuation Method (CARVM) allowance on annuities for NAIC SAP. There is no such requirement under U.S. GAAP.
(16)    Sales inducements and
          premium bonuses are included in Life policies and annuity contracts in the Statutory Statements of Admitted Assets, Liabilities, and Capital and Surplus, and are charged to current operations as incurred. Under U.S. GAAP, deferred sales
          inducements and premium bonuses are similarly reserved; however, the costs are capitalized as assets and charged to operations as future profits are recognized in a manner similar to acquisition costs.
9 of 42
ALLIANZ LIFE INSURANCE COMPANY OF NEW YORK
Notes to the Statutory Financial Statements
(Dollars in thousands, except share data and security holdings quantities)
(17)    Negative cash balances
          are presented as a negative asset within the Statutory Statements of Admitted Assets, Liabilities, and Capital and Surplus. These balances are presented as a liability under U.S. GAAP.
(18)    Embedded derivatives are
          not separated from the host contract and accounted for separately as a derivative instrument. Under U.S. GAAP, entities must separate the embedded derivative from the host contracts and separately account for those embedded derivatives at fair
          value.
(19)    For variable-indexed
          annuities, the Department requires the Company to maintain a separate asset portfolio to back related reserves. These assets and liabilities are required to be included as part of the Separate account assets and Separate account liabilities
          presented on the Statutory Statements of Admitted Assets, Liabilities, and Capital and Surplus. Under U.S. GAAP, there is no such requirement.
(b)    Permitted and Prescribed
          Statutory Accounting Practices
The Company is required to file annual statements
          with insurance regulatory authorities, which are prepared on an accounting basis permitted or prescribed by such authorities. Prescribed statutory accounting practices include state laws, regulations, and general administrative rules, as well as
          a variety of publications of the NAIC. Permitted statutory accounting practices encompass all accounting practices that are not prescribed; such practices differ from state to state, may differ from company to company within a state, and may
          change in the future. The Company has no permitted or prescribed practices that differ from NAIC SAP that had an impact on net income or surplus as of December 31, 2021, 2020, and 2019.
(c)    Use of Estimates
The preparation of Statutory Financial Statements
          in conformity with NAIC SAP requires management to make certain estimates and assumptions that affect reported amounts of admitted assets and liabilities, including reporting or disclosure of contingent assets and liabilities as of December 31,
          2021 and 2020, and the reported amounts of revenues and expenses during the reporting period. Future events, including changes in mortality, morbidity, interest rates, capital markets, and asset valuations could cause actual results to differ
          from the estimates used within the Statutory Financial Statements. Such changes in estimates are recorded in the period they are determined.
(d)    Premiums and Annuity Considerations
Life premiums are recognized as income over the
          premium paying period of the related policies. Nondeposit-type annuity considerations are recognized as revenue when received. Accident and health premiums are earned ratably over the terms of the related insurance and reinsurance contracts or
          policies.
(e)    Aggregate Reserves for Life Policies and
          Annuity Contracts
Reserves are principally calculated as the minimum
          reserves permitted by the state where the contract is issued for the year in which the contract is issued.
For the Company's fixed annuity product lines,
          reserves are calculated using CARVM. The Company uses both issue year for fixed-indexed and change in fund basis for deferred fixed-interest annuities for the calculation method, on a continuous basis, using the maximum allowable interest rate.
          Deferred fixed-indexed and fixed-interest annuities only have a single-tier structure, which may include bonuses.
For the Company's variable and variable-indexed
          annuity product lines, reserves are calculated using NY Regulations 213, for guaranteed benefits with adequacy confirmed using stochastic scenario testing. Variable deferred annuities include a wide range of guaranteed minimum death benefits and
          living benefits (income, accumulation, and withdrawal).
Aggregate reserves for life insurance policies are
          principally calculated using the Commissioners Reserve Valuation Method (CRVM) or VM-20,
Requirements
          for Principle-Based Reserves for Life Products
, depending on the policy's issue date. Additional reserves are held for
          supplemental benefits and for contracts with secondary guarantees, consistent with prescribed regulations and actuarial guidelines.
10 of 42
ALLIANZ LIFE INSURANCE COMPANY OF NEW YORK
Notes to the Statutory Financial Statements
(Dollars in thousands, except share data and security holdings quantities)
The Company performs an annual asset adequacy
          analysis as required by regulation covering substantially all of its reserves. These tests are not only performed under the required interest rate scenarios, but also under additional stochastically generated interest and equity growth scenarios.
          Sensitivity tests, including policy lapse, annuitization, maintenance expenses, and investment return, are performed to evaluate potential insufficiencies in reserve adequacy. The results of these tests and analysis resulted in additional
          adequacy reserves recorded of $22,000 and $13,000 at December 31, 2021 and 2020, respectively. For the universal life business, the Department's Regulation 147 –
Valuation of Life Insurance Reserves
stand-alone asset adequacy analysis was performed, which resulted in establishing additional reserves of $100 as of December 31, 2021 and 2020, respectively.
(f)    Aggregate Reserves for
          Accident and Health Policies
For accident and health business, reserves consist
          of active life reserves (mainly reserves for unearned premiums and reserves for contingent benefits on individual LTC business) and claim reserves (the present value of amounts not yet due). Claim reserves represent incurred but unpaid claims
          under group policies. For the LTC business, the Department's Regulation 56 –
Minimum Reserves for
          Individual Accident and Health Insurance Policies
stand‑alone asset adequacy analysis was performed through a gross
          premium valuation. The testing under the "sound value" requirements resulted in establishing additional reserves of $34,536 and $26,573 as of December 31, 2021 and 2020, respectively.
(g)    Deposit-type Contracts
Deposit-type contracts represent liabilities to
          policyholders in a payout status, who have chosen a fixed payout option without life contingencies. The premiums and claims related to deposit-type contracts are not reflected in the Statutory Statements of Operations as they do not have
          insurance risk. The Company accounts for the contract as a deposit-type contract in the Statutory Statements of Admitted Assets, Liabilities, and Capital and Surplus.
(h)
Policy and Contract Claims
Policy and contract claims include the liability
          for claims reported but not yet paid, claims incurred but not yet reported (IBNR), and claim settlement expenses on the Company's accident and health business. Actuarial reserve development methods are generally used in the determination of IBNR
          liabilities. In cases of limited experience or lack of credible claims data, loss ratios are used to determine an appropriate IBNR liability. Claim and IBNR liabilities of a short-term nature are not discounted, but those claim liabilities
          resulting from disability income or LTC benefits include interest and mortality discounting.
(i)    Reinsurance
The Company cedes business to other insurers.
          Reinsurance premium and benefits paid or provided are accounted for in a manner consistent with the basis used in accounting for original policies issued and the terms of the reinsurance contracts. Amounts recoverable from reinsurers represent
          account balances and unpaid claims covered under reinsurance contracts. Amounts paid or deemed to have been paid for claims covered by reinsurance contracts are recorded as a reinsurance recoverable and are included in Other assets on the
          Statutory Statements of Admitted Assets, Liabilities, and Capital and Surplus.
(j)    Investments
Investment values are determined in accordance
          with methods prescribed by the NAIC.
Bonds
The Securities Valuation Office (SVO) of the NAIC
          evaluates the credit quality of the Company's bond investments. Bonds rated at "1" (highest quality), "2" (high quality), "3" (medium quality), "4" (low quality), or "5" (lower quality) are reported at cost adjusted for the amortization of
          premiums, accretion of discounts, and any impairment. Bonds rated at "6" (lowest quality) are carried at the lower of amortized cost or fair value with any adjustments to fair value recorded to Unassigned surplus within the Statutory Statements
          of Capital and Surplus.
11 of 42
ALLIANZ LIFE INSURANCE COMPANY OF NEW YORK
Notes to the Statutory Financial Statements
(Dollars in thousands, except share data and security holdings quantities)
In accordance with its investment policy, the
          Company invests primarily in high-grade marketable securities. Dividends are accrued on the date declared and interest is accrued as earned. Premiums or discounts on bonds are amortized using the constant-yield method.
Loan-backed securities and structured securities
          are amortized using anticipated prepayments, in addition to other less significant factors. Prepayment assumptions for loan-backed and structured securities are obtained from various external sources or internal estimates. The Company believes
          these assumptions are consistent with those a market participant would use. The Company recognizes income using the modified scientific method based on prepayment assumptions and the estimated economic life of the securities. For structured
          securities, except impaired bonds, when actual prepayments differ significantly from anticipated prepayments, the effective yield is recalculated to reflect actual payments to date and anticipated future payments retrospectively. Any resulting
          adjustment is included in Net investment income on the Statutory Statements of Operations. For impaired bonds, when adjustments are made for anticipated prepayments and other expected changes in future cash flows, the effective yield is
          recalculated using the prospective method as required by Statement of Statutory Accounting Principles (SSAP) No. 43R –
Loan Backed and Structured Securities
(SSAP No. 43R).
Hybrid securities are investments structured to
          have characteristics of both stocks and bonds. The Company records these securities within Bonds on the Statutory Statements of Admitted Assets, Liabilities, and Capital and Surplus.
Gross realized gains and losses are computed based
          on the average amortized cost of all lots held for a particular CUSIP.
The fair value of bonds is obtained from
          third-party pricing sources whenever possible. Management completes its own independent price verification (IPV) process, which ensures security pricing is obtained from a third-party source other than the sources used by the Company's internal
          and external investment managers. The IPV process supports the reasonableness of price overrides and challenges by the internal and external investment managers and reviews pricing for appropriateness. Results of the IPV process are reviewed by
          the Company's Pricing Committee.
Allianz Life reviews its entire combined
          investment portfolio, including the investment portfolios of the Company and all other subsidiaries, in aggregate each quarter to determine if declines in fair value are other than temporary.
For bonds for which the fair value is less than
          amortized cost, the Company evaluates whether a credit loss exists by considering primarily the following factors: (a) the length of time and extent to which the fair value has been less than the amortized cost of the security; (b) changes in the
          financial condition, credit rating, and near-term prospects of the issuer; (c) whether the issuer is current on contractually obligated interest and principal payments; (d) changes in the financial condition of the security's underlying
          collateral, if any; and (e) the payment structure of the security. For loan-backed securities, the Company must allocate other-than-temporary impairments (OTTI) between interest and noninterest-related declines in fair value. Interest-related
          impairments are considered other than temporary when the Company has the intent to sell the investment prior to recovery of the cost of the investment. The Company maintains a prohibited disposal list that restricts the ability of the investment
          managers to sell securities in a significant unrealized loss position and requires formal attestations from investment managers regarding their lack of intent to sell certain securities.
Impairments considered to be other-than-temporary
          are recorded as a reduction of the cost of the security, and a corresponding realized loss is recognized on the Statutory Statements of Operations in the period in which the impairment is determined. Recognition of the realized loss is subject to
          potential offset by AVR and IMR.
Cash and Cash Equivalents
Cash and cash equivalents may include cash on
          hand, demand deposits, money market funds, and highly liquid debt instruments purchased with an original maturity of three months or less. Due to the short-term nature of these investments, the carrying value is deemed to approximate fair value.
12 of 42
ALLIANZ LIFE INSURANCE COMPANY OF NEW YORK
Notes to the Statutory Financial Statements
(Dollars in thousands, except share data and security holdings quantities)
Policy Loans
Policy loans are supported by the underlying cash
          value of the policies. Policy loans are carried at unpaid principal balances plus accrued interest income on the Statutory Statements of Admitted Assets, Liabilities, and Capital and Surplus. The unpaid principal balances are not in excess of the
          cash surrender values of the related policies.
Receivables for Securities
Receivables and payables for securities are
          carried at fair value on the trade date and represent a timing difference on securities that are traded at the balance sheet date but not settled until subsequent to the balance sheet date. Receivables and payables for securities are included in
          Receivables for securities and Other liabilities, respectively, on the Statutory Statements of Admitted Assets, Liabilities, and Capital and Surplus.
(k)    Derivatives
The Company utilizes derivatives within certain
          actively managed investment portfolios for hedging purposes.
Futures and Options Contracts
The Company provides benefits through certain
          annuity products which are linked to the fluctuation of various market indices, and certain variable annuity contracts that provide minimum guaranteed benefits. The Company has analyzed the characteristics of these benefits and has entered into
          over-the-counter (OTC) option contracts and exchange-traded futures contracts tied to an underlying index with similar characteristics with the objective to economically hedge these benefits. Management monitors in-force amounts as well as option
          and futures contract values to ensure satisfactory matching and to identify unsatisfactory mismatches. If actual persistency deviated, management would purchase or sell option and futures contracts as deemed appropriate or take other actions.
The OTC option contracts are reported at fair
          value in Derivative assets and Derivative liabilities on the Statutory Statements of Admitted Assets, Liabilities, and Capital and Surplus. The fair value of the OTC options is derived internally and deemed by management to be reasonable via
          performing an IPV process. The process of deriving internal derivative prices requires the Company to calibrate Monte Carlo scenarios to actual market information. The calibrated scenarios are applied to derivative cash flow models to calculate
          fair value prices for the derivatives. Incremental gains and losses from expiring options are included in Net realized capital gain (loss) on the Statutory Statements of Operations. The liability for the related policyholder benefits is reported
          in Life policies and annuity contracts on the Statutory Statements of Admitted Assets, Liabilities, and Capital and Surplus. The unrealized gain or loss on open OTC option contracts is recognized as a direct adjustment to Unassigned surplus
          within the Statutory Statements of Capital and Surplus. Any unrealized gains or losses on open OTC option contracts are recognized as realized when the contracts mature (see Note 5 for further discussion).
Futures contracts do not require an initial cash
          outlay, and the Company has agreed to daily net settlement based on movements of the representative index. Therefore, no asset or liability is recorded as of the end of the reporting period. A derivative asset or liability and an offsetting
          variation margin payable or receivable is recorded in Derivative assets or Derivative liabilities in the Statutory Statements of Admitted Assets, Liabilities, and Capital and Surplus for the outstanding unpaid variation margin representing market
          movements on the last trading day of the year.
Gains and losses are not considered realized until
          the termination or expiration of the futures contract. Unrealized gains and losses on futures contracts are reflected in the Statutory Statements of Capital and Surplus in Unassigned surplus, within Change in unrealized capital gains (loss).
          Realized gains and losses on futures contracts are included in the Statutory Statements of Operations, Net realized capital gain (loss), net of taxes and interest maintenance reserve.
13 of 42
ALLIANZ LIFE INSURANCE COMPANY OF NEW YORK
Notes to the Statutory Financial Statements
(Dollars in thousands, except share data and security holdings quantities)
Total Return Swaps
The Company utilizes total return swaps (TRS) also
          to economically hedge market risks embedded in certain annuities. TRS contracts are reported at fair value in Derivative assets or Derivative liabilities on the Statutory Statements of Admitted Assets, Liabilities, and Capital and Surplus. The
          fair value of the TRS is based on counterparty pricing and deemed by management to be reasonable. Changes in unrealized gains and losses on the swaps are recorded as a direct adjustment to Unassigned surplus within the Statutory Statements of
          Capital and Surplus.
(l)    Income Taxes
The Company files a consolidated federal income
          tax return with AZOA. The consolidated tax allocation agreement stipulates that each company participating in the return will bear its share of the tax liability pursuant to certain tax allocation elections under the Internal Revenue Code (IRC)
          and its related regulations and reimbursement will be in accordance with an intercompany tax reimbursement arrangement. The Company generally will be paid for the tax benefit of any of their tax attributes used by any member of the consolidated
          group.
The Company provides for federal income taxes
          based on amounts the Company believes it ultimately will owe. Inherent in the provision for federal income taxes are estimates regarding the deductibility of certain items and the realization of certain tax credits. In the event the ultimate
          deductibility of certain items or the realization of certain tax credits differs from estimates, the Company may be required to significantly change the provision for federal income taxes recorded in the Statutory Statements of Admitted Assets,
          Liabilities, and Capital and Surplus. Any such change could significantly affect the amounts reported in the Statutory Statements of Operations. Management uses best estimates to establish reserves based on current facts and circumstances
          regarding tax exposure items where the ultimate deductibility is open to interpretation. Quarterly, management evaluates the appropriateness of such reserves based on any new developments specific to their fact patterns. Information considered
          includes results of completed tax examinations, Technical Advice Memorandums, and other rulings issued by the Internal Revenue Service or the tax courts.
The Company utilizes the asset and liability
          method of accounting for income taxes. DTAs and deferred tax liabilities (DTLs), net of the nonadmitted portion are recognized for the future tax consequences attributable to differences between the financial statement carrying amounts of
          existing assets and liabilities and their respective tax bases. Gross DTAs and DTLs are measured using enacted tax rates and are considered for admitted tax asset status according to the admissibility test as set forth by the state of New York.
          Changes in DTAs and DTLs, including changes attributable to changes in tax rates, are recognized as a component of Unassigned surplus on the Statutory Statements of Admitted Assets, Liabilities, and Capital and Surplus.
(m)    Separate Accounts
Separate account assets and liabilities are
          primarily funds held for the exclusive benefit of variable and variable-indexed annuity contract holders. Separate account assets are reported at fair value in accordance with SSAP No. 56 –
Separate Accounts
(SSAP No. 56),
          with the exception of certain bonds, cash, cash equivalents, and investment income due and accrued. Certain assets that are allocated to the index options for the Allianz Index Advantage New York Variable Annuity (VIA) are invested in bonds and
          cash equivalents and carried at amortized cost in accordance with the product filing requirements in the state of New York.
Amounts due from separate accounts primarily
          represent the difference between the surrender value of the contracts and the Separate account liability as disclosed on the Statutory Statements of Admitted Assets, Liabilities, and Capital and Surplus. This receivable represents the surrender
          fee that would be paid to the Company upon the surrender of the policy or contract by the policyholder or contract holder as of December 31. Amounts charged to the contract holders for mortality and contract maintenance, and other administrative
          services fees are included in income within Fees from separate accounts on the Statutory Statements of Operations. These fees have been earned and assessed against contract holders on a daily or monthly basis throughout the contract period and
          are recognized as revenue when assessed and earned. Transfers to separate accounts within the Statutory Statements of Operations primarily includes transfers for
14 of 42
ALLIANZ LIFE INSURANCE COMPANY OF NEW YORK
Notes to the Statutory Financial Statements
(Dollars in thousands, except share data and security holdings quantities)
new premium and annuity considerations, benefit
          payments, surrender charge wear-off, realized and unrealized investment gains/losses, investment income, and other contractholder behavior.
(n)
Receivables
Receivable balances approximate estimated fair
          values. This is based on pertinent information available to management as of year-end, including the financial condition and creditworthiness of the parties underlying the receivables. Any balances outstanding more than 90 days are nonadmitted on
          the Statutory Statements of Admitted Assets, Liabilities, and Capital and Surplus.
(o)    Reclassifications
Prior year balances have not been reclassified to
          conform to the current year presentation.
(3)
Accounting
          Changes and Corrections of Errors
Accounting Changes
Recently Issued Accounting Standards – Adopted
in
2021
In 2021, the NAIC extended the following
          interpretations (INT) in response to the COVID-19 pandemic:
•
INT 20-03, Troubled Debt Restructuring due to COVID-19. This INT followed the interagency COVID-19 guidance issued
          by federal and state prudential banking regulators (and concurred by the FASB) and the Coronavirus Aid, Relief, and Economic Security (CARES) Act. Specifically, a modification of a mortgage loan or bank loan terms did not result in troubled debt
          restructurings as long as the modification was in response to COVID-19, the borrower was current at the time of the modification, and the modification was short-term. In addition, insurers were not required to designate mortgage loans or bank
          loans with deferrals granted due to COVID-19 as past due or report them as nonaccrual loans. This INT was effective for the period beginning March 1, 2020 and originally expired on December 31, 2020. In January 2021, the provisions in this INT
          were extended updating the effective period to be the earlier of January 1, 2022 or the date that is 60 days after the date on which the national emergency declared by the President terminates. This INT did not impact the Company.
•
INT 20-07, Troubled Debt Restructuring of Certain Debt Investments Due to COVID-19. This INT provided temporary
          guidance by allowing practical expedients when assessing whether modifications made to debt securities (under SSAP 26R and 43R) due to COVID-19 are insignificant. Specifically, the guidance proposed restructurings in response to COVID-19 are
          considered to be insignificant if the restructuring resulted in a 10% or less shortfall amount in the contractual amount due and did not extend the maturity of the investment by more than 3 years. This INT was effective for the period beginning
          March 1, 2020 and originally expired on December 31, 2020. In January 2021, the provisions in this INT were extended updating the effective period to be the earlier of January 1, 2022 or the date that is 60 days after the date on which the
          national emergency declared by the President terminates. This INT did not impact the Company.
In 2016, the NAIC adopted revisions to SSAP No.
          51R, Life Contracts and SSAP No. 54, Individual and Group Accident and Health Contracts, Issue Paper No. 154, Implementation of Principles-Based Reserving. These revisions relate to the adoption of the Valuation Manual and provides for principles
          based reserving for Life and Heath contracts. The Valuation Manual is part of the Department Regulation 213. Final adoption of the First Amendment to Regulation 213 was published February 2020 and provides the following revisions: 1) VM-20,
          Requirements for Principle-Based Reserves for Life Products, is effective January 1, 2020. However, an insurer could request a one-year delay in adopting this standard. The Company adopted Regulation 213 for life products as of January 1, 2021
          for new business issued January 1, 2021 and later, in accordance with its agreement with the Department. The adoption resulted in an immaterial impact. 2) VM-21, Requirements for Principle-Based Reserves for Variable Annuities was adopted in
          2020. 3) VM-22, Statutory Maximum Valuation Interest Rates for Income Annuities, VM-25, Health Insurance Reserves Minimum Requirements, and VM-26, Credit Life and Disability Reserve Requirements, are not applicable as the Company does not issue
          these contracts.
15 of 42
ALLIANZ LIFE INSURANCE COMPANY OF NEW YORK
Notes to the Statutory Financial Statements
(Dollars in thousands, except share data and security holdings quantities)
Recently Issued Accounting
          Standards – Adopted in 2020
In 2019, the NAIC adopted revisions to both
          Actuarial Guideline 43 and VM-21, effective January 1, 2020. The implementation of the Regulation 213 revisions as of January 1, 2020 resulted in no change in reserves. The portion of the Standard reserve that was impacted with the implementation
          of Regulation 213 did not exceed the offsetting hedge component within the calculation after the changes, resulting in no impact to the reported reserve. The 2019 amendments to VM-21 allow an optional phase-in of the increase which the Company
          did not elect. 3) VM-22, Statutory Maximum Valuation Interest Rates for Income Annuities, VM-25, Health Insurance Reserves Minimum Requirements, and VM-26, Credit Life and Disability Reserve Requirements, are not applicable as the Company does
          not issue these contracts.
In August 2019, the NAIC adopted SSAP No. 22R,
          Leases. This revised standard is a substantive revision, reorganization, and clarification of SSAP 22. It adopts much of the language of US GAAP Accounting Standards Update (ASU) 2016-02, Leases, but retains operating lease accounting for
          Statutory accounting. It was effective January 1, 2020, with early adoption permitted. The Company adopted these revisions effective January 1, 2020. There was no impact on net income or surplus during the year ended December 31, 2020, as a
          result of adopting the revisions.
In March 2020, the NAIC adopted INT 20-01,
          Reference Rate Reform. The interpretation adopted the optional guidance outlined in ASU 2020-04, Reference Rate Reform, for a limited period of time to ease the potential burden on accounting for reference rate reform. The practical expedients
          outlined in the interpretation are for modifications solely related to reference rate reform and optionally suspends assessments for re-measuring a contract and de-designating a hedge relationship. This interpretation is effective on the date of
          adoption and expires on December 31, 2022. The Company adopted the optional guidance in this interpretation effective March 12, 2020. As of December 31, 2020, the Company has not made any modifications to financial assets or liabilities as a
          result of reference rate reform.
In April, May, June, and August 2020, the NAIC
          adopted and extended, the following interpretations (INT) in response to the COVID-19 pandemic:
•
INT 2020-02, Extension of 90-Day Rule for the Impact of COVID-19. This INT extends a one-time optional extension of
          the nonadmission assessment guidance for premiums and similar receivables due from policyholders or agents. For receivables that were current prior to the beginning of the declaration of a state of emergency by the U.S. federal government on
          March 13, 2020 or originated on or after March 13, 2020, insurers may continue to admit assets greater than 90 days past due. This INT is applicable for the March 31, 2020, June 30, 2020, and September 30, 2020 financial statements and expired on
          December 30, 2020. This INT did not have a material impact to the Company.
•
INT 2020-03, Troubled Debt Restructuring Due to COVID-19. This INT follows the interagency COVID-19 guidance issued
          by federal and state prudential banking regulators (and concurred by the FASB) and the Coronavirus Aid, Relief, and Economic Security (CARES) Act. Specifically, a modification of a mortgage loan or bank loan terms do not result in troubled debt
          restructurings as long as the modification is in response to COVID-19, the borrower was current at the time of the modification, and the modification is short-term. In addition, insurers are not required to designate mortgage loans or bank loans
          with deferrals granted due to COVID-19 as past due or report them as nonaccrual loans. This INT was effective for the period beginning March 1, 2020 and originally expired on December 31, 2020. In January 2021, the provisions in this INT were
          extended updating the effective period to be the earlier of January 1, 2022 or the date that is 60 days after the date on which the national emergency declared by the President terminates. This INT did not have a material impact to the Company.
•
INT 2020-04, Mortgage Loan Impairment Assessment Due to COVID-19. This INT defers the impairment assessment for
          bank loans, mortgage loans, and investments which predominantly hold underlying mortgage loans and are impacted by forbearance or modifications in response to COVID-19. This INT is applicable for the March 31, 2020, June 30, 2020, and September
          30, 2020 financial statements and expired on December 30, 2020. This INT did not have a material impact to the Company.
16 of 42
ALLIANZ LIFE INSURANCE COMPANY OF NEW YORK
Notes to the Statutory Financial Statements
(Dollars in thousands, except share data and security holdings quantities)
•
INT 2020-05, Investment Income Due and Accrued. This INT provides temporary relief guidance for assessing the
          collectability of interest income, admissibility relief of accrued investment income 90 days past due, and clarifies how interest income should be recognized during a payment holiday. This INT is applicable for the June 30, 2020, and September
          30, 2020 financial statements and expired on December 30, 2020. This INT did not have did not have a material impact to the Company.
•
INT 2020-06, Participation in the 2020 TALF Program. This INT provides guidance for reporting Term Asset-Backed
          Securities Lending Facility (TALF) loans for the duration of the 2020 TALF program. This INT did not impact the Company as the Company did not participate in this program.
•
INT 2020-07, Troubled Debt Restructuring of Certain Debt Investments Due to COVID-19. This INT provides temporary
          guidance by allowing practical expedients when assessing whether modifications made to debt securities (under SSAP No. 26R and SSAP No. 43R) due to COVID-19 are insignificant. Specifically, the guidance proposes restructurings in response to
          COVID-19 are considered to be insignificant if the restructuring results in a 10% or less shortfall amount in the contractual amount due and does not extend the maturity of the investment by more than 3 years. This INT was effective for the
          period beginning March 1, 2020 and originally expired on December 31, 2020. In January 2021, the provisions in this INT were extended updating the effective period to be the earlier of January 1, 2022 or the date that is 60 days after the date on
          which the national emergency declared by the President terminates. This INT did not have a material impact to the Company.
•
INT 2020-08, COVID-19 Premium Refunds, Rate Reductions and Policyholder Dividends. This INT provides guidance for
          returns or benefits to policyholders. This INT did not impact the Company.
These INTs have an immaterial effect on the
          financial statements as of December 31, 2020. The Company will continue to monitor these INTs and assess impacts until they are nullified.
In May 2020, the NAIC adopted revisions to SSAP
          No. 26R, Bonds, which provides clarifying guidance when assessing other than temporary impairments (OTTI) for debt instruments that have been previously modified pursuant to SSAP No. 36, Troubled Debt Restructuring, or SSAP No. 103R, Transfers
          and Servicing of Financial Assets and Extinguishments of Liabilities. The revisions to SSAP No. 26R state subsequent OTTI assessments for debt instruments modified under SSAP No. 36 or SSAP No 103 will be based on the modified contractual terms
          and not revert back to the original acquisition terms. These revisions were effective May 20, 2020 and were subsequently adopted by the Company. There was no impact on net income or surplus during the year ended December 31, 2020, as a result of
          adopting the revisions.
In November 2020, the NAIC adopted revisions to
          SSAP No. 43R, Loan-Backed and Structured Securities. The revisions reflect the updated NAIC designation category for residential and commercial mortgage-backed securities that utilize the financial modeling guidance. The revisions were effective
          November 12, 2020 and was subsequently adopted by the Company. There was no impact on net income or surplus during the year ended December 31, 2020, as a result of adopting the revisions.
Recently Issued Accounting
          Standards – Adopted in 2019
Not applicable.
Recently Issued Accounting
          Standards – To Be Adopted
Not applicable
Corrections of Errors
The Company records correction of errors in
          accordance with SSAP No. 3 –
Accounting Changes and Correction of Errors
(SSAP No. 3). SSAP No. 3 prescribes that the correction of errors in previously issued Statutory Financial Statements will be reported
          as an adjustment to capital and surplus in the period the error is detected. These errors are shown within Correction of errors, net of tax, on the Statutory Statements of Capital and Surplus.
17 of 42
ALLIANZ LIFE INSURANCE COMPANY OF NEW YORK
Notes to the Statutory Financial Statements
(Dollars in thousands, except share data and security holdings quantities)
(4)    Risk Disclosures
The following is a description of the significant
          risks facing the Company and how it attempts to mitigate those risks:
(a)    Credit Risk
Credit risk is the risk that issuers of
          fixed-income securities, or other parties with whom the Company has transactions, such as reinsurers and derivative counterparties, default on their contractual obligations, resulting in unexpected credit losses.
The Company mitigates this risk by adhering to
          investment policies and limits that provide portfolio diversification on an asset class, asset quality, creditor, and geographical basis, and by complying with investment limitations from applicable state insurance laws and regulations. The
          Company considers all relevant objective information available in estimating the cash flows related to structured securities. The Company actively monitors and manages exposures, and determines whether any securities are impaired. The aggregate
          credit risk is influenced by management's risk/return preferences, the economic and credit environment, and the ability to manage this risk through liability portfolio management.
For derivative counterparties, the Company
          mitigates credit risk by tracking and limiting exposure to each counterparty through limits that are reported regularly and, once breached, restricts further trades; establishing relationships with counterparties rated BBB+ and higher; and
          monitoring the credit default swaps (CDS) of each counterparty as an early warning signal to cease trading when credit default swap spreads imply severe impairment in credit quality.
The Company executes Credit Support Annexes (CSA)
          with all active and new counterparties which further limits credit risk by requiring counterparties to post collateral to a segregated account to cover any counterparty exposure. Additionally most transactions are cleared through a clearinghouse
          thereby transferring counterparty risk from the bank to the clearinghouse that tends to have stronger credit. This often leads to increased collateralization and lower counterparty risk for the Company.
(b)    Credit Concentration Risk
Credit concentration risk is the risk of increased
          exposure to significant asset defaults (of a single security issuer); economic conditions (if business is concentrated in a certain industry sector or geographic area); or adverse regulatory or court decisions (if concentrated in a single
          jurisdiction) affecting credit.
The Company's Finance Committee, responsible for
          asset/liability management (ALM) issues, recommends an investment policy to the Company's Board of Directors (BOD) and approves the strategic asset allocation and accompanying investment mandates for an asset manager with respect to asset class.
          The investment policy and accompanying investment mandates specify asset allocation among major asset classes and the degree of asset manager flexibility for each asset class. The investment policy complies, at a minimum, with state statutes.
          Compliance with the policy is monitored by the Finance Committee who is responsible for implementing internal controls and procedures. Deviations from the policy are monitored and addressed. The Finance Committee and, subsequently, the BOD review
          the investment policy at least annually.
To further mitigate this risk, internal
          concentration limits based on credit rating and sector are established and are monitored regularly by Allianz Life on a consolidated basis. Any ultimate obligor group exceeding these limits is placed on a restricted list to prevent further
          purchases, and the excess exposure may be actively sold down to comply with concentration limit guidelines. Any exceptions require Chief Risk Officer approval and monitoring by the Risk Committee. Further, the Company performs a quarterly
          concentration risk calculation to ensure compliance with the State of New York basket clause.
(c)    Liquidity Risk
Liquidity risk is the risk that unexpected timing
          or amounts of cash needed will require liquidation of assets in a market that will result in a realized loss or an inability to sell certain classes of assets such that an insurer will be unable to meet its obligations and contractual guarantees.
          Liquidity risk also includes the risk that in the event of a company liquidity crisis, refinancing is only possible at higher interest rates. Liquidity risk can be
18 of 42
ALLIANZ LIFE INSURANCE COMPANY OF NEW YORK
Notes to the Statutory Financial Statements
(Dollars in thousands, except share data and security holdings quantities)
affected by the maturity of liabilities, the
          presence of withdrawal penalties, the breadth of funding sources, and terms of funding sources. It can also be affected by counterparty collateral triggers as well as whether anticipated liquidity sources, such as credit agreements, are
          cancelable.
The Company manages liquidity within four specific
          domains: (1) monitoring product development, product management, business operations, and the investment portfolio; (2) setting ALM strategies; (3) managing the cash requirements stemming from the Company's derivative dynamic economic hedging
          activities; and (4) establishing a liquidity facility with Allianz Life to provide additional liquidity. The Company has established liquidity risk limits, which are approved by the Company's Risk Committee, and the Company monitors its liquidity
          risk regularly.
(d)    Interest Rate Risk
Interest rate risk is the risk that movements in
          interest rates or interest rate volatility will cause a decrease in the value of an insurer's assets relative to the value of its liabilities and/or an unfavorable change in prepayment activity resulting in compressed interest margins.
The Company has an ALM strategy to align cash
          flows and duration of the investment portfolio with policyholder liability cash flows and duration. Allianz Life monitors the economic and accounting impacts of interest rate sensitivities on assets and liabilities on a consolidated basis
          regularly and on the Company's specific basis periodically.
(e)    Equity Market Risk
Equity market risk is the risk that movements in
          equity prices or equity volatility will cause a decrease in the value of an insurer's assets relative to the value of its liabilities.
Variable annuity products guarantee minimum
          payments regardless of market movements. The Company has adopted an economic hedging program to manage the equity risk of these products.
Allianz Life monitors the impacts of equity
          sensitivities on assets and liabilities on a consolidated basis regularly and on the Company's specific basis periodically.
Basis risk is the risk that variable annuity hedge
          asset values change unexpectedly relative to the value of the underlying separate account funds of the variable annuity contracts. Basis risk may arise from the Company's inability to directly hedge the underlying investment options of the
          variable annuity contracts. The Company regularly reviews and synchronizes fund mappings, product design features, hedge design, and manages funds line-up.
(f)    Operational
          Risk
Operational risk is the risk of loss resulting
          from inadequate or failed internal processes and systems, from human misbehavior or error, or from external events. Operational risk is comprised of the following seven risk categories: (1) external fraud; (2) internal fraud; (3) employment
          practices and workplace safety; (4) clients/third-party, products and business practices; (5) damage to physical assets; (6) business disruption and system failure; and (7) execution, delivery, and process management. Operational risk is
          comprehensively managed through a combination of core qualitative and quantitative activities.
The Operational Risk Management framework includes
          the following key activities: (1) an Operational Risk Capital Model covering all material types of operational risks, under which the Company quantifies and regularly monitors operational risk; (2) loss data capture to create transparency and
          gather information about losses that meet a designated threshold. Business owners are required to identify and resolve the root cause of operational loss events; and (3) an integrated risk and control system, a bottom-up risk assessment process
          for significant operational risk scenarios, to proactively manage significant operational risk scenarios throughout the organization.
19 of 42
ALLIANZ LIFE INSURANCE COMPANY OF NEW YORK
Notes to the Statutory Financial Statements
(Dollars in thousands, except share data and security holdings quantities)
(g)    Regulatory Change Risk
Regulatory change risk is the risk that regulatory
          changes and imposed regulation may materially impact the Company's business model, sales levels, company financials and ability to effectively comply with regulations.
The Company actively monitors all regulatory
          changes and participates in national and international discussions relating to legal, regulatory, and accounting changes. The Company maintains active membership with various professional and industry trade organizations. A formal process exists
          to review, analyze, and implement new legislation as it is enacted.
(h)    Rating Agency Risk
Rating agency risk is the risk that rating
          agencies change their outlook or rating of the Company. The rating agencies generally utilize proprietary capital adequacy models in the process of establishing ratings for the Company. The Company is at risk of changes in these models and the
          impact that changes in the underlying business that it is engaged in can have on such models. To mitigate this risk, the Company maintains regular communications with the rating agencies and evaluates the impact of significant transactions on
          such capital adequacy models and considers the same in the design of transactions to minimize the adverse impact of this risk. Rating agency risk is also addressed in the TRA process and on an ad hoc basis as necessary.
(i)    Mortality/Longevity Risk
Mortality/longevity risk is the risk that
          mortality experience is different than the life expectancy assumptions used by the Company to price its products.
The Company mitigates mortality risk primarily
          through reinsurance, whereby the Company cedes a significant portion of its mortality risk to third parties. The Company also manages mortality risk through the underwriting process. Both mortality and longevity risks are managed through the
          review of life expectancy assumptions and experience in conjunction with active product management.
(j)    Lapse Risk
Lapse risk is the risk that actual lapse
          experience evolves differently than the assumptions used for pricing and valuation exercises leading to a significant loss in Company value and/or income.
The Company mitigates this risk by performing
          sensitivity analysis at the time of pricing to affect product design, adding Market Value Adjustments and surrender charges when appropriate, regular ALM analysis, and exercising management levers at issue, as well as post-issue as experience
          evolves. Policyholder experience is monitored regularly.
(k)    Cyber Security Risk
Cyber security risk is the risk of losses due to
          external and/or internal attacks impacting the confidentiality, integrity, and/or availability of key systems, data, and processes reliant on digital technology. The Company has implemented preventative, detective, response, and recovery measures
          including firewalls, intrusion detection and prevention, advanced malware detection, spyware and anti-virus software, email protection, network and laptop encryption, web content filtering, web application firewalls, and regular scanning of all
          servers and network devices to identify vulnerabilities. Controls are implemented to prevent and review unauthorized access.
(l)    Reinsurance Risk
Reinsurance risk is the risk that reinsurance
          companies default on their obligation where the Company has ceded a portion of its insurance risk. The Company uses reinsurance to limit its risk exposure to certain business lines and to enable better capital management.
Reinsurance contracts do not relieve the Company
          from its obligations to policyholders. Failure of reinsurers to honor their obligations could result in losses to the Company.
20 of 42
ALLIANZ LIFE INSURANCE COMPANY OF NEW YORK
Notes to the Statutory Financial Statements
(Dollars in thousands, except share data and security holdings quantities)
The Company mitigates this risk by requiring
          certain counterparties to post collateral to cover the exposure and to meet thresholds related to the counterparty's credit rating, exposure, or other factors. For counterparties that are not initially required to post collateral, if the
          thresholds are not met by those counterparties, they are required to establish a trust or letter of credit backed by assets meeting certain quality criteria. All arrangements are regularly monitored to determine whether trusts or letters of
          credit are sufficient to support the ceded liabilities and that their terms are being met. In addition, the Company reviews the financial standings and ratings of its reinsurance counterparties and monitors concentrations of credit risk to
          minimize its exposure to significant losses from reinsurer insolvencies regularly.
(5)    Investments
(a)    Bonds and Other Assets
          Receiving Bond Treatment
At December 31, the amortized cost, gross
          unrealized gains, gross unrealized losses, and fair values of investments are shown below:
2021
Amortized cost
Gross unrealized gains
Gross unrealized losses
Fair value
Bonds:
U.S.
                  government
$
78,869
864
1,274
78,459
States and
                  political subdivisions
6,921
975
—
7,896
Corporate
                  securities
372,767
34,113
1,954
404,926
Mortgage-backed
                  securities
121,557
4,598
954
125,201
Total
$
580,114
40,550
4,182
616,482
2020
Amortized cost
Gross unrealized gains
Gross unrealized losses
Fair value
Bonds:
U.S.
                  government
$
100,155
2,304
352
102,107
States and
                  political subdivisions
7,010
1,299
—
8,309
Corporate
                  securities
323,878
47,863
—
371,741
Mortgage-backed
                  securities
141,752
9,198
—
150,950
Total
$
572,795
60,664
352
633,107
At December 31, 2021 and 2020, the Company did not have NAIC-6
          rated bonds.
At December 31, 2021 and 2020, the Company did not
          have any hybrid securities.
As of December 31, 2021 and 2020, investments with
          a statement value of $1,656 and $1,662, respectively were held on deposit as required by statutory regulations.
21 of 42
ALLIANZ LIFE INSURANCE COMPANY OF NEW YORK
Notes to the Statutory Financial Statements
(Dollars in thousands, except share data and security holdings quantities)
The amortized cost and fair value of bonds and
          other assets receiving bond treatment reported in the statutory Annual Statement Schedule D Part 1A at December 31, 2021, by contractual maturity, are shown below:
Amortized cost
Fair value
Due in 1 year or less
$
31,689
32,101
Due after 1 year
                  through 5 years
144,049
149,984
Due after 5 years
                  through 10 years
160,177
163,872
Due after 10 years
                  through 20 years
89,860
107,745
Due after 20 years
32,782
37,579
Loan-backed and other
                  structured securities
121,557
125,201
Total
                  bonds and other assets receiving bond treatment
$
580,114
616,482
Expected maturities will differ from contractual
          maturities, because borrowers may have the right to call or prepay obligations with or without call or prepayment penalties.
Proceeds from sales of bonds includes sales,
          maturities, paydowns, and other redemptions of bonds and other assets receiving bond treatment. Proceeds from sales of bonds for the years ended December 31 are shown below:
2021
2020
2019
Proceeds from sales
$
82,882
152,052
149,505
Gross gains
82
1,883
1,314
Gross losses
80
297
481
For the years ended December 31, 2021 and 2020,
          there were 9 and 15 CUSIPs sold, disposed, or otherwise redeemed as a result of a callable feature, respectively. The aggregate amount of investment income generated as a result of these transactions was $1,027 and $735 for 2021 and 2020,
          respectively.
The Company's bond portfolio includes
          mortgage-backed securities. Due to the high quality of these investments and the lack of subprime loans within the securities, the Company does not have a material exposure to subprime mortgages.
(b)    Unrealized Investment Losses
To determine whether or not declines in fair value
          are other than temporary, Allianz Life performs a quarterly review of its entire combined investment portfolio, including the Company as their subsidiary, using quoted market prices by third-party sources. For further discussion, see Notes 2 and
          6.
Unrealized losses and the related fair value of
          investments held by the Company for the years ended December 31 are shown below:
2021
12 months or less
Greater than 12 months
Total
Fair value
Unrealized losses
Fair value
Unrealized losses
Fair value
Unrealized losses
Bonds:
U.S.
                  government
$
14,972
71
19,058
1,203
34,030
1,274
Corporate
                  securities
71,212
1,954
—
—
71,212
1,954
Mortgage-backed
                  securities
23,502
954
—
—
23,502
954
Total
                  temporarily impaired securities
$
109,686
2,979
19,058
1,203
128,744
4,182
22 of 42
ALLIANZ LIFE INSURANCE COMPANY OF NEW YORK
Notes to the Statutory Financial Statements
(Dollars in thousands, except share data and security holdings quantities)
2020
12 months or less
Greater than 12 months
Total
Fair value
Unrealized losses
Fair value
Unrealized losses
Fair value
Unrealized losses
Bonds:
U.S.
                  government
$
19,941
352
—
—
19,941
352
Corporate
                  securities
4,000
—
—
—
4,000
—
Total
                  temporarily impaired securities
$
23,941
352
—
—
23,941
352
As of December 31, 2021 and 2020, the number of bonds that were
          in an unrealized loss position was 45 and 4, respectively.
As of December 31, 2021 and 2020, of the total
          amount of unrealized losses, $4,174, or 99.8%, and $352, or 100.0%, respectively, are related to unrealized losses on investment grade securities. Investment grade is defined as a security having an NAIC SVO credit rating of 1 or 2. Unrealized
          losses on securities are principally related to changes in interest rates or changes in sector spreads from the date of purchase. As contractual payments continue to be met, management continues to expect all contractual cash flows to be received
          and does not consider these investments to be other-than-temporarily impaired.
(c)    Realized Investment Gains
          (Losses)
Net realized capital gains (losses) for the years
          ended December 31 are shown below:
2021
2020
2019
Bonds
$
2
101
784
Derivatives
(60,008)
(40,495)
(70,151)
Other
64
45
4
Total
                  realized capital losses
(59,942)
(40,349)
(69,363)
Income tax (expense)
                  benefit on net realized losses
(20)
(652)
(118)
Total
                  realized capital losses, net of taxes
(59,962)
(41,001)
(69,481)
Net (losses) gains
                  transferred to IMR, net of taxes
(5)
219
614
Net
                  realized (losses) gains, net of taxes and IMR
$
(59,957)
(41,220)
(70,095)
(d)    Net Investment Income
Major categories of net investment income for the
          years ended December 31 are shown below:
2021
2020
2019
Interest:
Bonds
$
19,345
20,529
21,636
Policy
                  loans
7
9
13
Cash, cash
                  equivalents, and short-term investments
2
245
686
Derivatives
(1)
(11)
—
Other
119
59
52
Gross
                  investment income
19,472
20,831
22,387
Investment expenses
(1,579)
(1,239)
(974)
Net
                  investment income before amortization of IMR
17,893
19,592
21,413
Amortization of IMR
(1,716)
(1,564)
(1,547)
Net
                  investment income
$
16,177
18,028
19,866
23 of 42
ALLIANZ LIFE INSURANCE COMPANY OF NEW YORK
Notes to the Statutory Financial Statements
(Dollars in thousands, except share data and security holdings quantities)
(e)    Loan-Backed Securities
SSAP No. 43R requires the bifurcation of
          impairment losses on loan-backed or structured securities into interest and noninterest-related portions. The noninterest portion is the difference between the present value of cash flows expected to be collected from the security and the
          amortized cost basis of the security. The interest portion is the difference between the present value of cash flows expected to be collected from the security and its fair value at the balance sheet date.
The Company had no loan-backed securities with a
          recognized OTTI for the years ended December 31, 2021 and 2020.
(f)    Derivatives and Hedging
          Instruments
The Company does not have derivative contracts
          with financing premium. Derivatives held by the Company do not qualify for hedge accounting treatment.
Futures and Options Contracts
OTC options are cleared through the Options
          Clearing Corporation, which operates under the jurisdiction of both the Securities and Exchange Commission (SEC) and the Commodities Futures Trading Commission. The fair values of the collateral posted for futures and OTC options are discussed in
          the derivative collateral management section below.
Total Return Swaps
The Company engages in the use of OTC TRS,
which allow the parties to exchange cash flows based on a variable reference rate such as the three-month
          LIBOR and the return of an underlying index.
The fair value of the collateral posted for OTC TRS is discussed in the
          derivative collateral management section below.
The following table presents a summary of the
          aggregate notional amounts and fair values of the Company's derivative instruments reported on the Statutory Statements of Admitted Assets, Liabilities, and Capital and Surplus as of December 31:
2021
2020
Gross Fair Value
Gross Fair Value
Notional
(1)
Assets
Liabilities
Notional
(1)
Assets
Liabilities
OTC options
$
2,006
700
—
1,667
341
—
Futures
200,470
—
—
231,731
—
—
TRS
2,000
—
—
5,000
—
—
Total
                  derivative instruments
$
700
—
341
—
(1)
Notional amounts are presented on an absolute basis.
Derivative Collateral Management
The Company manages derivative collateral for the
          general account and separate account combined and separate collateral for exchange-traded and OTC derivatives. The total collateral posted for exchange-traded derivatives at December 31, 2021 and 2020, had a fair value of $29,931 and $49,781,
          respectively, and is included in Bonds on the Statutory Statements of Admitted Assets, Liabilities, and Capital and Surplus and recorded at amortized cost. The Company retains ownership of the exchange-traded collateral, but the collateral
          resides in an account designated by the exchange. The collateral is subject to specific exchange rules regarding rehypothecation. The Company had no collateral posted for OTC derivatives as of December 31, 2021 and 2020. The Company posts
          collateral to OTC counterparties based upon exposure amounts. The Company retains ownership of the OTC collateral.
(g)
Offsetting Assets and Liabilities
The Company elects to disclose derivative assets
          and liabilities eligible for offset under SSAP No. 64 –
Offsetting and Netting of Assets and
          Liabilities
on a gross basis on the Statutory Statements of Admitted
24 of 42
ALLIANZ LIFE INSURANCE COMPANY OF NEW YORK
Notes to the Statutory Financial Statements
(Dollars in thousands, except share data and security holdings quantities)
Assets, Liabilities, and Capital and Surplus in
          accordance with the provisions set forth in SSAP No. 86. This treatment is consistent with the Company's historical reporting presentation.
(h)
Restricted Assets
As of December 31, 2021, the Company had the following restricted
          assets, including assets pledged to others as collateral:
Gross Restricted
Percentage
Total general account
Total from prior year
Increase (decrease)
Total current year
                  admitted restricted
Gross restricted to total assets
Admitted restricted to total admitted assets
On deposit with states
$
1,656
1,662
(6)
1,656
—
%
—
%
Derivative collateral
29,429
48,071
(18,642)
29,429
0.6
0.6
Total
                  restricted assets
$
31,085
49,733
(18,648)
31,086
0.6
%
0.6
%
(6)    Fair Value Measurements
SSAP No. 100R –
Fair Value
establishes a fair value hierarchy that prioritizes the inputs used in the valuation techniques to measure fair value.
Level 1 –     Unadjusted
          quoted prices for identical assets or liabilities in active markets that the Company has the ability to access at the measurement date.
Level 2 –     Valuations
          derived from techniques that utilize observable inputs, other than quoted prices included in Level 1, which are observable for the asset or liability either directly or indirectly, such as:
(a)    Quoted prices for
          similar assets or liabilities in active markets.
(b)    Quoted prices for
          identical or similar assets or liabilities in markets that are not active.
(c)    Inputs other than quoted
          prices that are observable.
(d)    Inputs that are derived
          principally from or corroborated by observable market data by correlation or other means.
Level 3 –     Valuations derived
          from techniques in which the significant inputs are unobservable. Level 3 fair values reflect the Company's own assumptions about the assumptions that market participants would use in pricing the asset or liability (including assumptions about
          risk).
The Company has analyzed the valuation techniques
          and related inputs, evaluated its assets and liabilities reported at fair value, and determined an appropriate fair value hierarchy level based upon trading activity and the observability of market inputs. Based on the results of this evaluation
          and investment class analysis, each financial asset and liability was classified into Level 1, 2, or 3.
25 of 42
ALLIANZ LIFE INSURANCE COMPANY OF NEW YORK
Notes to the Statutory Financial Statements
(Dollars in thousands, except share data and security holdings quantities)
The following presents the assets and liabilities
          measured at fair value on a recurring basis and their corresponding level in the fair value hierarchy at December 31:
2021
Level 1
Level 2
(a)
Level 3
Total
Assets
                  at fair value
Derivative
                  assets
$
—
700
—
700
Separate
                  account assets
2,330,868
244,061
—
2,574,929
Total assets
                  reported at fair value
2,330,868
244,761
—
2,575,629
Liabilities
                  at fair value
Separate
                  account derivative liabilities
—
108,584
—
108,584
Total
                  liabilities reported at fair value
$
—
108,584
—
108,584
(a)
The Company does not have any assets or liabilities measured at net asset value (NAV) that are included in Level 2 within
                    this table.
2020
Level 1
Level 2
(a)
Level 3
Total
Assets
                  at fair value
Derivative
                  assets
$
—
341
—
341
Separate
                  account assets
2,273,066
319,099
—
2,592,165
Total assets
                  reported at fair value
2,273,066
319,440
—
2,592,506
Liabilities
                  at fair value
Separate
                  account derivative liabilities
—
36,644
194,296
—
194,296
Total
                  liabilities reported at fair value
$
—
194,296
—
194,296
(a)
The Company does not have any assets or liabilities measured at NAV that are included in Level 2 within this table.
The following is a discussion of the methodologies used to
          determine fair values for the assets and liabilities listed in the above table. These fair values represent an exit price (i.e., what a buyer in the marketplace would pay for an asset in a current sale or charge to transfer a liability). The
          Company has not made changes to valuation techniques in 2021.
(a)    Valuation of Derivatives
The fair value of OTC option assets and
          liabilities are derived internally, by calculating their expected discounted cash flows, using a set of calibrated, risk-neutral stochastic scenarios, including a market data monitor, a market data model generator, a stochastic scenario
          calibrator, and the actual asset pricing calculator, because active markets do not exist. Options that are internally priced and IRS, foreign currency swaps, TBA securities, and CDS are included in Level 2, because they use market observable
          inputs. The fair values of exchange-traded options and futures contracts are based on quoted market prices in active markets and are included in Level 1. The fair value of TRS is derived from external brokers and do not utilize market observable
          inputs and are included in Level 3.
Certain derivatives are priced using external
          third-party vendors. The Company has controls in place to monitor the valuations of these derivatives. TRS prices are obtained from the respective counterparties. These prices are also internally recalculated and reviewed for reasonableness at
          the position level on a monthly basis.
26 of 42
ALLIANZ LIFE INSURANCE COMPANY OF NEW YORK
Notes to the Statutory Financial Statements
(Dollars in thousands, except share data and security holdings quantities)
The Company does not have insight into the
          specific inputs used by third-party vendors; however, the key unobservable input would generally include the spread.
(b)    Valuation of Separate
          Account Assets and Separate Account Derivative Liabilities
Separate account assets and Separate account
          derivative liabilities, with the exception of certain bonds, cash, cash equivalents and investment income due and accrued, are carried at fair value, which is based on the fair value of the underlying assets which are described throughout this
          note. Funds in the separate accounts are primarily invested in variable investment option funds with the following investment types: bond, domestic equity, international equity, or specialty. Variable investment option funds are included in
          Level 1 because their fair value is based on quoted prices in active, observable markets. The remaining investments are categorized similar to the investments held by the Company in the general account (e.g., if the separate account invested in
          bonds, short-term investments and derivatives, that portion could be classified within Level 2 or Level 3).
Certain b
onds, cash and cash equivalents, along with related accrued investment income and receivables, carried at amortized cost within the
          separate account have an amortized cost of $1,872,375 and $1,181,701 as of December 31, 2021 and 2020, respectively, and a fair value of $1,899,039 and $1,267,749 as of December 31, 2021 and 2020, respectively. Separate account assets carried at
          amortized cost are included in the table in section 6(g) below.
(c)    Level 3 Rollforward
The following table provides a reconciliation of
          the beginning and ending balances for the Company's Level 3 assets and liabilities measured at fair value on a recurring basis:
January 1, 2021
Transfers into
Level 3
Transfers out
of Level 3
Total gains
and (losses)
included in
Net Income
Total gains
and (losses)
included in
Surplus
Purchases, issuances, sales and settlements
December 31, 2021
TRS asset
$
—
—
—
555
—
(555)
—
Total Level 3
                  assets
—
—
—
555
—
(555)
—
TRS liability
—
—
—
(1,222)
—
1,222
—
Total Level
                  3 liabilities
$
—
—
—
(1,222)
—
1,222
—
January 1, 2020
Transfers into
Level 3
Transfers out
of Level 3
Total gains
and (losses)
included in
Net Income
Total gains
and (losses)
included in
Surplus
Purchases, issuances, sales and settlements
December 31, 2020
TRS asset
$
—
—
—
9,020
—
(9,020)
—
Total Level
                  3 assets
—
—
—
9,020
—
(9,020)
—
TRS liability
—
—
—
(8,366)
—
8,366
—
Total Level
                  3 liabilities
$
—
—
—
(8,366)
—
8,366
—
(d)    Transfers
The Company reviews its fair value hierarchy
          classifications annually. Transfers between levels occur when there are changes in the observability of inputs and market activity.
For the years ended December 31, 2021 and 2020, the Company did not
          have any transfers into or out of Level 3.
(e)    Sensitivity of Fair Value
          Measurements to Changes in Unobservable Inputs
Derivative assets and liabilities:
The TRS are priced by a third-party vendor and the Company internally reviews the valuation for reasonableness. The Company does not
          have insight into the specific inputs used; however, the key unobservable input would generally include the spread. For a long position, a significant increase (decrease) in the spread used in the fair value of the TRS in isolation could result
          in higher (lower)
27 of 42
ALLIANZ LIFE INSURANCE COMPANY OF NEW YORK
Notes to the Statutory Financial Statements
(Dollars in thousands, except share data and security holdings quantities)
fair value. For a short position, a significant
          increase (decrease) in the spread used in the fair value of the TRS in isolation could result in lower (higher) fair value.
(f)    Estimates
The Company has been able to estimate the fair
          value of all financial assets and liabilities.
(g)    Aggregate Fair Value of Financial
          Instruments
The following tables present the carrying amounts
          and fair values of all financial instruments at December 31
(b)
:
2021
Fair Value
Aggregate Fair Value
Admitted Assets/
Carrying Value
Level 1
Level 2
Level 3
Financial
                  Assets
Bonds
$
616,482
580,114
78,459
538,023
—
Cash
                  equivalents
30,073
30,073
30,073
—
—
Derivative
                  assets
700
700
—
700
—
Separate
                  account assets
4,473,968
4,447,304
2,382,546
2,091,422
—
Financial
                  Liabilities
Deposit-type
                  contracts
$
7,249
6,122
—
—
7,249
Other
                  investment contracts
465,528
364,115
—
—
465,528
Separate
                  account liabilities
4,473,968
4,447,304
2,382,546
2,091,422
—
(b)
The Company does not have any assets or liabilities measured at NAV that are included in Level 2 in this table. In addition,
                    the Company has no assets or liabilities for which it is not practicable to measure at fair value.
2020
Fair Value
Aggregate Fair Value
Admitted Assets/
Carrying Value
Level 1
Level 2
Level 3
Financial
                  Assets
Bonds
$
633,107
572,795
102,107
531,000
—
Cash
                  equivalents
12,279
12,279
12,279
—
—
Derivative
                  assets
341
341
—
341
—
Separate
                  account assets
3,859,915
3,773,866
2,334,838
1,525,077
—
Financial
                  Liabilities
Deposit-type
                  contracts
$
6,056
4,956
—
—
6,056
Other
                  investment contracts
539,498
382,832
—
—
539,498
Separate
                  account liabilities
3,859,915
3,773,866
2,334,838
1,525,077
—
(b)
The Company does not have any assets or liabilities measured at NAV that are included in Level 2 in this table. In addition,
                    the Company has no assets or liabilities for which it is not practicable to measure at fair value.
A description of the Company's valuation techniques for financial
          instruments not reported at fair value and categorized within the fair value hierarchy is shown below:
Valuation of Bonds
The fair value of bonds is based on quoted market
          prices in active markets when available. Based on the market data, the securities are categorized into asset class, and based on the asset class of the security, appropriate pricing applications, models and related methodology, and standard
          inputs are utilized to determine what a buyer in the marketplace would pay for the security in a current sale. When quoted prices are not readily available or in an inactive market, standard inputs used in the valuation models, listed in
          approximate order of priority, include, but are not limited to, benchmark yields, reported trades, Municipal Securities Rulemaking Board reported trades, Nationally Recognized Municipal Securities Information Repository
28 of 42
ALLIANZ LIFE INSURANCE COMPANY OF NEW YORK
Notes to the Statutory Financial Statements
(Dollars in thousands, except share data and security holdings quantities)
material event notices, broker-dealer quotes,
          issuer spreads, two-sided markets, benchmark securities, bids, offers, reference data, and industry and economic events. In some cases, including private placement securities and certain difficult-to-price securities, internal pricing models may
          be used that are based on market proxies. Internal pricing models based on market spread and U.S. Treasury rates are used to value private placement holdings. The primarily unobservable input used in the discounted cash flow models for states and
          political subdivisions, foreign government, and corporate bonds is a corporate index option adjusted spread (OAS). CDO and certain mortgage-backed securities are priced by a third-party vendor and the Company internally reviews the valuation for
          reasonableness. The Company does not have insight into the specific inputs; however, the key unobservable inputs would generally include default rates.
Generally, U.S. Treasury securities and
          exchange-traded stocks are included in Level 1. Most bonds for which prices are provided by third-party pricing sources are included in Level 2, because the inputs used are market observable. Bonds for which prices were obtained from broker
          quotes, certain bonds without active trading markets and private placement securities that are internally priced are included in Level 3.
Valuation of Cash Equivalents
Cash equivalents are comprised of money market
          mutual funds. The fair value of money market mutual funds is based on quoted market prices in active markets and included in Level 1.
Valuation of Deposit-Type Contracts
Fair values of deposit-type contracts are based on
          discounted cash flows using internal inputs, including the discount rate and consideration of the Company's own credit standing and a risk margin for actuarial inputs.
Valuation of Other Investment Contracts
Other investment contracts are included within
          Life policies and annuity contracts within the Statutory Statements of Admitted Assets, Liabilities, and Capital and Surplus. Other investment contracts include certain reserves related to deferred annuities and other payout annuities that may
          include life contingencies, but do not have significant mortality risk due to substantial periods certain. Fair values are based on discounted cash flows using internal inputs, including the discount rate and consideration of the Company's own
          credit standing and a risk margin for market inputs.
Valuation of Separate Account Liabilities
The fair value of separate account liabilities
          approximates the fair value of separate account assets.
(7)    Income Taxes
(a)
Deferred Tax Assets and Liabilities
The components of the net DTA or net DTL are as
          follows:
December 31, 2021
Ordinary
Capital
Total
Total gross deferred tax assets
$
19,392
680
20,072
Statutory valuation allowance adjustments
—
—
—
Adjusted gross deferred tax assets
19,392
680
20,072
Deferred tax assets nonadmitted
(11,747)
—
(11,747)
Subtotal net admitted deferred tax assets
7,645
680
8,325
Deferred tax liabilities
(1,553)
—
(1,553)
Net admitted deferred tax assets
$
6,092
680
6,772
29 of 42
ALLIANZ LIFE INSURANCE COMPANY OF NEW YORK
Notes to the Statutory Financial Statements
(Dollars in thousands, except share data and security holdings quantities)
December 31, 2020
Ordinary
Capital
Total
Total gross deferred tax assets
$
16,394
676
17,070
Statutory valuation allowance adjustments
—
—
—
Adjusted gross deferred tax assets
16,394
676
17,070
Deferred tax assets nonadmitted
(8,771)
—
(8,771)
Subtotal net admitted deferred tax assets
7,623
676
8,299
Deferred tax liabilities
(1,812)
—
(1,812)
Net admitted deferred tax assets
$
5,811
676
6,487
Change
Ordinary
Capital
Total
Total gross deferred tax assets
$
2,998
4
3,002
Statutory valuation allowance adjustments
—
—
—
Adjusted gross deferred tax assets
2,998
4
3,002
Deferred tax assets nonadmitted
(2,976)
—
(2,976)
Subtotal net admitted deferred tax assets
22
4
26
Deferred tax liabilities
259
—
259
Net admitted deferred tax assets
$
281
4
285
The amount of admitted adjusted gross DTAs allowed under each component of SSAP
          No. 101 –
Income Taxes
(SSAP No. 101) as of December 31 are as follows:
December 31, 2021
Ordinary
Capital
Total
Federal income
                  taxes paid in prior years recoverable through loss carrybacks (11.a)
$
—
680
680
Adjusted gross DTAs expected to be realized after application of the
                    threshold limitations
Lesser of 11.b.i or 11.b.ii:
Adjusted gross DTAs expected to be realized following the balance sheet date
                    (11.b.i.)
6,092
—
6,092
Adjusted gross DTAs allowed per limitation threshold (11.b.ii)
N/A
N/A
23,436
Lesser of 11.b.i or 11.b.ii
6,092
—
6,092
Adjusted gross DTAs offset by gross DTLs (11.c)
1,553
—
1,553
Deferred tax assets admitted
$
7,645
680
8,325
December 31, 2020
Ordinary
Capital
Total
Federal income
                  taxes paid in prior years recoverable through loss carrybacks (11.a)
$
—
676
676
Adjusted gross DTAs expected to be realized after application of the
                    threshold limitations
Lesser of 11.b.i or 11.b.ii:
Adjusted gross DTAs expected to be realized following the balance sheet date
                    (11.b.i.)
5,811
—
5,811
Adjusted gross DTAs allowed per limitation threshold (11.b.ii)
N/A
N/A
22,422
Lesser of 11.b.i or 11.b.ii
5,811
—
5,811
Adjusted gross DTAs offset by gross DTLs (11.c)
1,812
—
1,812
Deferred tax assets admitted
$
7,623
676
8,299
30 of 42
ALLIANZ LIFE INSURANCE COMPANY OF NEW YORK
Notes to the Statutory Financial Statements
(Dollars in thousands, except share data and security holdings quantities)
Change
Ordinary
Capital
Total
Federal income taxes
                  paid in prior years recoverable through loss carrybacks (11.a)
$
—
4
4
Adjusted gross DTAs expected to be realized after application of the
                    threshold limitations
Lesser of 11.b.i or 11.b.ii:
Adjusted gross DTAs expected to be realized following the balance sheet date
                    (11.b.i.)
281
—
281
Adjusted gross DTAs allowed per limitation threshold (11.b.ii)
N/A
N/A
1,014
Lesser of 11.b.i or 11.b.ii
281
—
281
Adjusted gross DTAs offset by gross DTLs (11.c)
(259)
—
(259)
Deferred tax assets admitted
$
22
4
26
Ratios used for threshold limitation as of December 31 are as
          follows:
December 31
2021
2020
Change
Ratio
                  percentage used to determine recovery period and threshold limitation amount
711
%
1,028
%
(317)
%
Amount of
                  adjusted capital and surplus used to determine recovery period threshold limitation
$
156,239
149,483
6,756
Impact of tax planning strategies on the
          determination of net admitted adjusted gross DTAs is as follows:
December 31, 2021
Ordinary
Capital
Total
Net admitted adjusted gross DTAs - (percentage of total net admitted adjusted
                    gross DTAs)
—
%
—
%
—
%
December 31, 2020
Ordinary
Capital
Total
Net admitted adjusted gross DTAs - (percentage of total net admitted adjusted
                    gross DTAs)
—
%
—
%
—
%
Change
Ordinary
Capital
Total
Net admitted adjusted gross DTAs - (percentage of total net admitted adjusted
                    gross DTAs)
—
%
—
%
—
%
The Company's tax planning strategies do not include the use of
          reinsurance.
(b)
Unrecognized Deferred Tax Liabilities
There are no temporary differences for which DTLs
          are not recognized.
(c)
Current and Deferred Income Taxes
The significant components of income taxes
          incurred (i.e. Current income tax expense) include:
31 of 42
ALLIANZ LIFE INSURANCE COMPANY OF NEW YORK
Notes to the Statutory Financial Statements
(Dollars in thousands, except share data and security holdings quantities)
December 31
2021
2020
2019
2021-2020 Change
2020-2019 Change
Current year
                  federal tax expense (benefit) - ordinary income
$
6,319
1,280
(7,343)
5,039
8,623
Current year
                  foreign tax expense (benefit) - ordinary income
—
—
—
—
—
Subtotal
6,319
1,280
(7,343)
5,039
8,623
Current year
                  tax expense (benefit) - net realized capital gains (losses)
19
652
118
(633)
534
Federal and
                  foreign income taxes incurred
$
6,338
1,932
(7,225)
4,406
9,157
DTAs and DTLs consist of the following major
          components:
December 31
Deferred tax assets
2021
2020
Change
Ordinary:
Deferred
                  acquisition costs
$
3,678
2,879
799
Policyholder
                  reserves
15,029
12,294
2,735
Expense
                  accruals
1
1
—
Investments
671
1,216
(545)
Nonadmitted
                  assets
13
4
9
Subtotal
19,392
16,394
2,998
Nonadmitted
                  ordinary deferred tax assets
(11,747)
(8,771)
(2,976)
Admitted
                  ordinary tax assets
7,645
7,623
22
—
Capital:
—
Impaired
                  assets
680
676
4
Subtotal
680
676
4
Admitted
                  capital deferred tax assets
680
676
4
Admitted
                  deferred tax assets
$
8,325
8,299
26
December 31
Deferred tax
                  liabilities
2021
2020
Change
Ordinary:
Investments
$
(305)
(255)
(50)
Policyholder
                  reserves
(1,242)
(1,551)
309
Deferred
                  and uncollected premiums
(6)
(6)
—
Subtotal
(1,553)
(1,812)
259
Capital:
Other
—
—
—
Subtotal
—
—
—
Deferred tax
                  liabilities
(1,553)
(1,812)
259
Net deferred
                  tax asset
$
6,772
6,487
285
The realization of the DTAs is dependent upon the Company's
          ability to generate sufficient taxable income in future periods. Based on historical results and the prospects for future current operations, management anticipates that it is more likely than not that future taxable income will be sufficient for
          the realization of the remaining DTAs.
The Coronavirus Aid, Relief, and Economic Security Act, (CARES Act of 2020) was enacted on March 27,
          2020, thereby allowing net operating losses (NOLs) arising in tax years beginning after December 31, 2017, and before January 1, 2021 (e.g., NOLs incurred in 2018, 2019, or 2020 by a calendar-year taxpayer) to be carried back to each of the five
          tax years preceding the tax year of such loss.
In computing taxable income, life insurance
          companies are allowed a deduction attributable to their life insurance and accident and health reserves. The Tax Act of 2017 significantly changed the methodology by
32 of 42
ALLIANZ LIFE INSURANCE COMPANY OF NEW YORK
Notes to the Statutory Financial Statements
(Dollars in thousands, except share data and security holdings quantities)
which these reserves are computed for tax
          purposes. The changes are effective for tax years beginning after 2017 and are subject to a transition rule that spreads the additional income tax liability over the subsequent eight years beginning in 2018.  Due to complexities in the new
          methodology and limited guidance from the Internal Revenue Service and U.S. Treasury, the Company has recorded provisional amounts for the deferred tax revaluation associated with the changes in the computation of life insurance tax reserves
          based on information available at December 31, 2017.  Pursuant to Interpretation of the SAP Working Group 18-01:
Updated Tax Estimates under the Tax Cuts and Jobs Act
, provisional tax computations related to these amounts were reasonably estimated as of December 31, 2017 and have been adjusted based on guidance received from Internal Revenue
          Service and U.S. Treasury. Adjusted amounts are reflected in the Company's results of operations for the years ended December 31, 2021, 2020, and 2019.
The Change in net deferred income tax is comprised
          of the following (this analysis is exclusive of the nonadmitted DTAs as the Change in nonadmitted assets is reported separately from the Change in net deferred income tax in the Unassigned surplus section of the Statutory Statements of Capital
          and Surplus):
December 31
2021
2020
Change
Net deferred tax assets
$
18,519
15,257
3,262
Statutory valuation allowance adjustment
—
—
—
Net deferred tax assets after statutory valuation allowance
18,519
15,257
3,262
Tax effect of unrealized gains/(losses)
(671)
(1,216)
545
Change in net deferred income tax
$
3,807
(d)
Reconciliation of Federal Income Tax Rate to Actual Effective Rate
The provision for federal income taxes incurred is
          different from that which would be obtained by applying the statutory federal income tax rate to income before income taxes. The significant items causing this difference are as follows:
December 31, 2021
December 31, 2020
December 31, 2019
Federal income tax rate
21.0
%
21.0
%
21.0
%
Amortization of IMR
0.5
1.2
1.6
Dividends received
                  deduction
(0.8)
(3.7)
(4.3)
Tax hedges
(0.2)
—
0.7
Tax hedge
                  reclassification
(17.5)
(31.5)
(73.9)
Non-deductible expenses
—
—
0.1
Change in deferred tax
                  on non-admitted assets
—
0.2
(0.2)
Prior period
                  adjustments
0.5
—
0.9
Change in deferred tax
                  impairments
(2.5)
0.5
Realized Capital Gains
                  Tax
—
2.4
—
Effective tax
                  rate
3.5
%
(12.9)
%
(53.6)
%
Federal and foreign income taxes incurred
(1)
8.8%
4.7
%
(36.8)
%
Realized Capital Gains
                  Tax
—
2.4
—
Change in net deferred
                  income taxes
(5.3)
(20.0)
(16.8)
Effective tax
                  rate
3.5
%
(12.9)
%
(53.6)
%
(1)
Prior to 2020, tax on capital gains (losses) was excluded from federal and foreign income taxes incurred and detailed in Note
                    5(c).
(e)
Carryforwards, Recoverable Taxes, and IRC Section 6603 Deposits
As of December 31, 2021,
there are no operating losses or tax credit carryforwards available for tax purposes.
There are no Federal
          income taxes available for recoupment in the event of future net losses.
There are no aggregate deposits admitted under
          Section 6603 of the IRC.
33 of 42
ALLIANZ LIFE INSURANCE COMPANY OF NEW YORK
Notes to the Statutory Financial Statements
(Dollars in thousands, except share data and security holdings quantities)
The Company had no tax contingencies computed in
          accordance with SSAP No. 101 as of December 31, 2021 and 2020.
The Company recognizes interest and penalties
          accrued related to unrecognized tax benefits in federal income tax expense. During the years ended December 31, 2021 and 2020, the Company recognized no such expenses.
(f)
Consolidated Federal Income Tax Return
The Company's federal income tax return is
          consolidated with AZOA. The method of allocation between the subsidiaries of AZOA is subject to written agreement, approved by the Allianz Life Board of Directors. Allocation is based upon separate return calculations with current credit for net
          losses. Intercompany tax balances are settled annually after the consolidated return is filed.
The Company is included in the consolidated group for which AZOA files a federal
          income tax return on behalf of all group members. As a member of the AZOA consolidated group, the Company is no longer subject to U.S. Federal and non-U.S. income tax examinations for years prior to 2016, though examinations of combined returns
          filed by AZOA, which include the Company, by certain U.S. state and local tax authorities, may still be conducted for 2008 and subsequent years. The Internal Revenue Service (IRS) examination of AZOA for the 2016 and 2017 income tax returns has
          completed the exam phase and has been assigned to appeals for an issue unrelated to the Company. The IRS has also initiated an examination of AZOA's 2018 income tax return, which is expected to close by the end of 2022.
As of December 31, 2021, the companies included in
          the consolidated group for which AZOA files a federal income tax return is included below:
Members of Consolidated Tax Group
Allianz Life Insurance Company of New York
Allianz Life Insurance Company of Missouri
Allianz Life Insurance
                  Company of North America
Allianz Underwriters
                  Insurance Company
AZOA Services
                  Corporation
AGCS Marine Insurance
                  Company
Allianz Global Risks US
                  Insurance Company
William H. McGee &
                  Co., Inc.
Allianz Reinsurance of
                  America, Inc.
Allianz Reinsurance
                  Management Services, Inc.
Allianz Technology of
                  America, Inc.
Fireman's Fund
                  Insurance Company
Allianz Renewable
                  Energy Partners of America LLC
Fireman's Fund
                  Indemnity Corporation
Allianz Renewable
                  Energy Partners of America 2 LLC
National Surety
                  Corporation
PFP Holdings, Inc.
Chicago Insurance
                  Company
AZL PF Investments,
                  Inc.
Interstate Fire &
                  Casualty Company
Dresdner Kleinwort
                  Pfandbriefe Investments II, Inc.
Associated Indemnity
                  Corporation
Allianz Fund
                  Investments, Inc.
American Automobile
                  Insurance Company
Yorktown Financial
                  Companies, Inc.
The American Insurance
                  Company
Questar Capital
                  Corporation
Allianz Risk Transfer,
                  Inc.
Questar Agency, Inc.
Allianz Risk Transfer
                  (Bermuda), Ltd.
(8)    Accident and Health Claim Reserves
Accident and health claim reserves are based on
          estimates that are subject to uncertainty. Uncertainty regarding reserves of a given accident year is gradually reduced as new information emerges each succeeding year, thereby allowing more reliable reevaluations of such reserves. While
          management believes that reserves as of December 31, 2021, are appropriate, uncertainties in the reserving process could cause reserves to develop favorably or unfavorably in the near term as new or additional information emerges. Any adjustments
          to reserves are reflected in the operating results of the periods in which they are made. Movements in reserves could significantly impact the Company's future reported earnings.
34 of 42
ALLIANZ LIFE INSURANCE COMPANY OF NEW YORK
Notes to the Statutory Financial Statements
(Dollars in thousands, except share data and security holdings quantities)
Activity in the accident and health claim reserves is summarized as
          follows:
2021
2020
2019
Balance at
                  January 1, net of reinsurance recoverables of $1,079, $1,214, and $529, respectively
$
7,834
7,302
3,938
Incurred related to:
Current
                  year
2,613
3,428
3,991
Prior
                  years
(433)
(1,093)
749
Total
                  incurred
2,180
2,335
4,740
Paid related to:
Current
                  year
154
153
211
Prior
                  years
1,786
1,650
1,165
Total paid
1,940
1,803
1,376
Balance at
                  December 31, net of reinsurance recoverables of $1,137, $1,079, and $1,214, respectively
$
8,074
7,834
7,302
Prior years incurred claim reserves changed as a
          result of re-estimation of unpaid claims and claim adjustment expenses, principally on the individual LTC line of business.
(9)    Reinsurance
The Company primarily enters into reinsurance
          agreements to manage risk resulting from its life, annuity, and accident and health businesses, as well as businesses the Company has chosen to exit. In the normal course of business, the Company seeks to limit its exposure to loss on any single
          insured and to recover a portion of benefits paid by ceding risks under excess coverage and coinsurance contracts.
The Company monitors the financial exposure and
          financial strength of the reinsurers on an ongoing basis. The Company attempts to mitigate risk by securing recoverable balances with various forms of collateral, including arranging trust accounts and letters of credit with certain reinsurers.
The effect of reinsurance on reserves and claims,
          for amounts recoverable from other insurers, was as follows:
For the years ended December 31,
Reduction in:
2021
2020
Aggregate
                  reserves
$
7,602
6,184
Policy and
                  contract claims
160
183
35 of 42
ALLIANZ LIFE INSURANCE COMPANY OF NEW YORK
Notes to the Statutory Financial Statements
(Dollars in thousands, except share data and security holdings quantities)
The Company assumed no business from other
          companies for the years ended December 31, 2021, 2020, and 2019. Life insurance, annuities, and accident and health business ceded to other companies are as follows:
Year ended
Direct amount
Ceded to other companies
Net amount
December 31, 2021
Life
                  insurance in force
$
750,332
673,079
77,253
Premiums:
Life
1,171
1,035
136
Annuities
685,610
—
685,610
Accident
                  and health
3,245
431
2,814
Total
                  premiums
$
690,026
1,466
688,560
December 31, 2020
Life
                  insurance in force
$
328,472
293,458
35,014
Premiums:
Life
884
734
150
Annuities
425,561
—
425,561
Accident
                  and health
3,224
436
2,788
Total
                  premiums
$
429,669
1,170
428,499
December 31, 2019
Life
                  insurance in force
$
49,947
42,359
7,588
Premiums:
Life
807
655
152
Annuities
371,966
—
371,966
Accident
                  and health
3,341
444
2,897
Total
                  premiums
$
376,114
1,099
375,015
There are no nonaffiliated reinsurers owned in
          excess of 10% or controlled, either directly or indirectly, by the Company or by a representative, officer, trustee, or director of the Company.
There are no policies issued by the Company that
          have been reinsured with a company chartered in a country other than the United States that is owned in excess of 10% or controlled directly or indirectly by an insured, a beneficiary, a creditor, or any other person not primarily engaged in the
          insurance business.
The Company does not have any reinsurance
          agreements in effect under which the reinsurer may unilaterally cancel any reinsurance for reasons other than for nonpayment of premium or other similar credits.
The Company does not have reinsurance agreements
          in effect such that the amount of losses paid or accrued through the statement date may result in a payment to the reinsurer of amounts that, in aggregate and allowing for offset of mutual credits from other reinsurance agreements with the same
          reinsurer, exceed the total direct premium collected under the reinsured policies.
The Company did not write off any uncollectible
          recoverables during 2021, 2020, and 2019.
36 of 42
ALLIANZ LIFE INSURANCE COMPANY OF NEW YORK
Notes to the Statutory Financial Statements
(Dollars in thousands, except share data and security holdings quantities)
(10)
Annuity Actuarial Reserves and Deposit Liabilities
          by Withdrawal Characteristics
Information regarding the Company's annuity
          actuarial reserves and deposit liabilities by withdrawal characteristics at December 31 is as follows:
2021
Percentage of total
2020
Percentage of total
Subject to
                  discretionary withdrawal:
With
                  market value adjustment
$
102,531
2
%
$
94,060
2
%
At book
                  value less current surrender charges of 5% or more
1,687,975
36
1,172,480
30
At market
                  value
2,077,042
44
2,087,722
53
Total with
                  adjustment or at market value
3,867,548
82
3,354,262
85
At book
                  value without adjustment (minimal or no charge or adjustment)
742,702
16
489,561
12
Not
                  subject to discretionary withdrawal
59,964
2
78,609
3
Total
                  gross
4,670,214
100
%
3,922,432
100
%
Reinsurance ceded
—
—
Total net
$
4,670,214
$
3,922,432
Amount included in At
                  book value less current charges of 5% or more that will move to At book value without adjustment in the year after the statement date:
$
271,907
$
—
Reconciliation of
                  total annuity actuarial reserves and deposit fund liabilities:
2021
2020
Life, Accident and
                  Health Annual Statement:
Annuities,
                  net (excluding supplementary contracts with life contingencies)
$
342,115
376,832
Supplemental
                  contracts with life contingencies, net
21,030
20,886
Deposit-type
                  contracts
6,122
4,956
Subtotal
369,267
402,674
Separate Accounts
                  Annual Statement:
Annuities,
                  net (excluding supplementary contracts with life contingencies)
4,300,405
3,519,106
Supplemental
                  contracts with life contingencies, net
542
652
Subtotal
4,300,947
3,519,758
Total annuity
                  actuarial reserves and deposit fund liabilities
$
4,670,214
3,922,432
37 of 42
ALLIANZ LIFE INSURANCE COMPANY OF NEW YORK
Notes to the Statutory Financial Statements
(Dollars in thousands, except share data and security holdings quantities)
(11)    Life Actuarial Reserves by Withdrawal Characteristics
Information regarding the Company's life actuarial
          reserves by withdrawal characteristics at December 31 is as follows:
2021
General Account
Account value
Cash value
Reserve
Subject to discretionary withdrawal, surrender values, or policy loans:
Universal
                  life
$
23
16
594
Indexed
                  life
1,825
1,710
1,780
Other
                  permanent cash value life insurance
303
303
303
Miscellaneous
                  reserves
—
—
7,000
Not
                  subject to discretionary withdrawal or no cash values:
Term
                  policies without cash value
XXX
XXX
806
Miscellaneous
                  reserves
XXX
XXX
16,282
Total
                  gross
2,151
2,029
26,765
Reinsurance
                  ceded
—
—
1,441
Total net
(1)
$
2,151
2,029
25,324
(1)
Balances reflected within this disclosure reside in the Company's general account; the Company's separate accounts do not
                    contain Life business.
2020
General Account
Account value
Cash value
Reserve
Subject to discretionary withdrawal, surrender values, or policy loans:
Universal
                  life
$
37
28
969
Indexed
                  life
1,644
1,511
1,580
Other
                  permanent cash value life insurance
354
354
354
Not
                  subject to discretionary withdrawal or no cash values:
Term
                  policies without cash value
XXX
XXX
271
Miscellaneous
                  reserves
XXX
XXX
13,223
Total
                  gross
2,035
1,893
16,398
Reinsurance
                  ceded
—
—
357
Total net
(1)
$
2,035
1,893
16,040
(1)
Balances reflected within this disclosure reside in the Company's general account; the Company's separate accounts do not
                    contain Life business.
The Company does not have any Life policies with either guarantees or
          nonguarantees in the separate account.
Reconciliation of total life actuarial
                  reserves:
2021
2020
Life,
                  Accident, and Health Annual Statement:
Life
                  insurance, net
$
2,997
$
2,781
Miscellaneous
                  reserves, net
22,327
13,259
Total life
                  actuarial reserves
$
25,324
$
16,040
38 of 42
ALLIANZ LIFE INSURANCE COMPANY OF NEW YORK
Notes to the Statutory Financial Statements
(Dollars in thousands, except share data and security holdings quantities)
(12)
Separate Accounts
The Company's separate accounts represent funds
          held for the benefit of contract holders entitled to payments under variable annuity contracts issued through the Company's separate accounts and underwritten by the Company.
As of December 31, 2021 and 2020, the Company's
          separate accounts are classified as nonguaranteed. Information regarding the Company's separate accounts for the years ended December 31 is as follows:
2021
2020
Premiums,
                  considerations, or deposits
$
643,502
401,472
Reserves for accounts
                  with assets at fair value
2,427,721
2,338,554
Reserves for account,
                  with assets at amortized cost
1,873,227
1,181,205
Total
                  reserves
4,300,948
3,519,759
By withdrawal
                  characteristics:
At fair
                  value
1,337,089
2,337,902
At book
                  value without MV adjustment and with current surrender charge of 5% or more
2,427,179
921,552
At book
                  value without MV adjustment and with current surrender charge of less than 5%
536,138
259,653
Subtotal
4,300,406
3,519,107
Not subject
                  to discretionary withdrawal
542
652
Total
$
4,300,948
3,519,759
As of December 31, 2021 and 2020, the Company's
          separate accounts included legally insulated assets and non-insulated assets attributed to the following products/transactions:
2021
2020
Product/transaction
Legally insulated
Not legally insulated
Legally insulated
Not legally insulated
Variable Annuities
$
2,108,248
—
2,130,361
—
Variable Annuities
                  (Non-Unitized Non-Insulated)
—
2,339,056
—
1,643,505
Total
$
2,108,248
2,339,056
2,130,361
1,643,505
The Company's separate account liabilities contain
          guaranteed benefits. The liabilities for guaranteed benefits are supported by the Company's general account assets. To compensate the general account for the risk taken, the separate account paid risk charges of $25,752, $26,544, $37,538,
          $36,073, and $33,270 during the past five years, respectively. The general account of the Company paid $191, $929, $1,019, $465, and $13 towards separate account guarantees during the past five years, respectively.
A reconciliation of net transfers to separate
          accounts for the years ended December 31 is included in the following table:
2021
2020
2019
Transfers as
                  reported in the Summary of Operations of the Separate Accounts Annual Statement:
Transfers
                  to separate accounts
$
643,502
401,472
352,992
Transfers
                  from separate accounts
(285,061)
(215,753)
(217,517)
Net transfers
                  to separate accounts
358,441
185,719
135,475
Reconciling
                  adjustments:
Other
                  adjustments
97
296
(495)
Transfers as reported
                  in the Statutory Statements of Operations
$
358,538
186,015
134,980
39 of 42
ALLIANZ LIFE INSURANCE COMPANY OF NEW YORK
Notes to the Statutory Financial Statements
(Dollars in thousands, except share data and security holdings quantities)
(13)     Related-Party
          Transactions
(a)     Real
          Estate
The Company subleases office space from an
          affiliate. In connection with this agreement, the Company incurred rent expense of $82, $76, and $56 in 2021, 2020, and 2019, respectively, which is included in General and administrative expenses on the Statutory Statements of Operations.
(b)
              Service Fees
The Company incurred fees for administrative
          services provided by Allianz Life of $14,025, $10,372 and $10,113 in 2021, 2020, and 2019, respectively. The Company's liability for these expenses was $1,182 and $1,272 as of December 31, 2021 and 2020, respectively, and is included in Payable
          to parent and affiliates on the Statutory Statements of Admitted Assets, Liabilities, and Capital and Surplus. In the normal course of business, the outstanding amount is settled in cash.
The Company incurred fees for investment advisory
          services provided by affiliated companies of $1,486, $1,128, and $870 in 2021, 2020, and 2019, respectively. The Company's liability for these charges was $143 and $108 as of December 31, 2021 and 2020, respectively, and is included in Payable to
          parent and affiliates on the Statutory Statements of Admitted Assets, Liabilities, and Capital and Surplus. In the normal course of business, the outstanding amount is settled in cash.
The Company has an agreement with Allianz
          Investment Management, LLC which has subsequent agreements with its affiliates Pacific Investment Management Company (PIMCO), Oppenheimer Capital LLC (OpCap), and with certain other related parties whereby (1) specific investment options managed
          by PIMCO and OpCap are made available through the Company's separate accounts to holders of the Company's variable annuity products, and (2) the Company receives compensation for providing administrative and recordkeeping services relating to the
          investment options managed by PIMCO and OpCap. Income recognized by the Company from these affiliates for distribution and in-force related costs as a result of providing investment options to the contractholders was $729, $787, and $885 during
          2021, 2020, and 2019, respectively, which is included in Fees from separate accounts on the Statutory Statements of Operations. The related receivable for the fees was $57 and $66 at December 31, 2021 and 2020, respectively, which is included in
          Other assets on the Statutory Statements of Admitted Assets, Liabilities, and Capital and Surplus.
The Company has incurred commission expense
          related to the distribution of variable annuity products from Allianz Life Financial Services, LLC, (ALFS), an affiliated company, in the amount of $46,892, $31,064, and $27,988 for the years ended December 31, 2021, 2020, and 2019, respectively.
The Company has an agreement with ALFS, whereby
          12b-1 fee receivables are assigned to the Company and Allianz Life. The Company has also agreed with Allianz Life to share in reimbursing ALFS for direct and indirect expenses incurred in performing services for the Company and Allianz Life. In
          the event that assigned receivables exceed expenses, ALFS records a loss on the transaction with the Company and a dividend-in-kind to Allianz Life. The Company recorded revenue from this agreement of $4,261, $3,936, and $4,163 for the years
          ended December 31, 2021, 2020, and 2019, respectively. The Company recorded expenses related to this agreement of $8,528, $6,027, and $7,135 for the years ended December 31, 2021, 2020, and 2019, respectively.
(c)
              Reinsurance
The Company cedes certain term life and universal
          life insurance policies to Allianz Life. At December 31, 2021 and 2020, the Company had no reinsurance recoverables and receivables from Allianz Life included in Other assets on the Statutory Statements of Admitted Assets, Liabilities, and
          Capital and Surplus.
40 of 42
ALLIANZ LIFE INSURANCE COMPANY OF NEW YORK
Notes to the Statutory Financial Statements
(Dollars in thousands, except share data and security holdings quantities)
(d)     Line
          of Credit Agreement
The Company has a line of credit agreement with
          its parent, Allianz Life Insurance Company of North America (Allianz Life) to provide liquidity as needed. The Company's borrowing capacity under the agreement is limited to 5% of the general account admitted assets of the Company as of the
          preceding year end. The interest rate for borrowing under the agreement is based on the Secured Overnight Financing Rate (SOFR). Borrowed amounts can be prepaid at any time with no prepayment penalty. Allianz Life provided $25,000 to the Company
          under the terms of this agreement on March 17, 2020 and the loan was paid in full on April 15, 2020. There was no interest accrued as of December 31, 2021 and 2020. There was no outstanding balance under the line of credit agreement as of
          December 31, 2021, and 2020.
(14)    Employee Benefit Plans
The Company participates in the Allianz Asset
          Accumulation Plan (AAAP), a defined contribution plan sponsored by Allianz of America Corporation. Eligible employees are immediately enrolled in the AAAP on their first day of employment. The AAAP will accept participants' pretax, Roth 401(k),
          and/or after-tax contributions up to 80% of the participants' eligible compensation, although contributions remain subject to annual limitations set by the Internal Revenue Service. The Company matches up to a maximum of 7.5% of the employees'
          eligible compensation. Participants are 100% vested in the Company's matching contribution after three years of service.
The AAAP administration expenses and the trust
          fund, including trustee fees, investment manager fees, and audit fees, are payable from the trust fund but may, at the Company's discretion, be paid by the Company. All legal fees are paid by the Company. It is the Company's policy to fund the
          AAAP costs as incurred. The Company has expensed $328, $323, and $295 in 2021, 2020, and 2019, respectively, toward the AAAP matching contributions and administration expenses.
(15)
Statutory Capital and Surplus
Statutory accounting practices prescribed or
          permitted by the Company's state of domicile are directed toward insurer solvency and protection of policyholders. As such, the Company is required to meet minimum statutory capital and surplus requirements. The Company's statutory capital and
          surplus as of December 31, 2021 and 2020 were in compliance with these requirements. The maximum amount of dividends that can be paid by New York insurance companies to stockholders without prior approval of the Department is subject to
          restrictions relating to statutory earned surplus, also known as unassigned funds. Unassigned funds are determined in accordance with the accounting procedures and practices governing preparation of the statutory annual statement. In accordance
          with New York statutes, the Company may declare and pay from its Unassigned surplus cash dividends of not more than the lesser of 10% of its beginning-of-the year statutory surplus, or its net gain from operations of the insurer, not including
          realized gains, for the 12-month period ending the 31st day of the preceding year. Based on these restrictions, ordinary dividends of $16,301 can be paid in 2022 without prior approval of the Department. The Company paid no dividends in 2021,
          2020, and 2019.
Regulatory Risk-Based Capital
An insurance enterprise's state of domicile
          imposes minimum risk-based capital requirements that were developed by the NAIC. The formulas for determining the amount of risk-based capital specify various weighting factors that are applied to financial balances or various levels of activity
          based on the perceived degree of risk. Regulatory compliance is determined by a ratio of an enterprise's regulatory total adjusted capital to its authorized control level risk-based capital, as defined by the NAIC. Companies below specific
          trigger points or ratios are classified within certain levels, each of which requires specified corrective action. This ratio for the Company significantly exceeds required minimum thresholds as of December 31, 2021 and 2020.
(16)    Direct Premiums Written by Third-Party Administrators
The Company has direct premiums written by
          third-party administrators (TPAs). The types of business written by the TPAs include life, accidental death and dismemberment, medical, disability, excess risk, and LTC. The authority granted to the TPAs includes claims payment, claims
          adjustment, underwriting, binding authority, and premium collection. Total premiums written by TPAs were $2,008, $883, and $803 for 2021, 2020, and 2019, respectively.
41 of 42
ALLIANZ LIFE INSURANCE COMPANY OF NEW YORK
Notes to the Statutory Financial Statements
(Dollars in thousands, except share data and security holdings quantities)
For the years ended December 31, 2021, 2020, and
          2019, there were no individual TPAs that wrote premiums that equaled at least 5% of the capital and surplus of the Company.
(17)
Reconciliation to the Annual Statement
The Company is required to file an Annual
          Statement with the Department. As of December 31, 2021 and 2020, there is no difference in admitted assets or liabilities between this report and the Annual Statement. As of December 31, 2021, 2020, and 2019, there is no difference in capital and
          surplus or net income between this report and the Annual Statement.
(18)    Commitments and Contingencies
The Company may become subject to claims and
          lawsuits that arise in the ordinary course of business.
The Company is contingently liable for possible
          future assessments under regulatory requirements pertaining to insolvencies and impairments of unaffiliated insurance companies. Provision has been made for assessments currently received and assessments anticipated for known insolvencies.
The financial services industry, variable and
          fixed annuities, life insurance, distribution companies, and broker-dealers, is subject to close scrutiny by regulators, legislators, and the media.
Federal and state regulators, such as state
          insurance departments, state securities departments, the SEC, the Financial Industry Regulatory Authority, the Internal Revenue Service, and other regulatory bodies regularly make inquiries and conduct examinations or investigations concerning
          various selling practices, including suitability reviews, product exchanges, sales to seniors, and compliance with, among other things, insurance and securities law. The Company may become subject to ongoing market conduct examinations and
          investigations by regulators, which may have a material adverse effect on the Company.
It can be expected that annuity and life product
          designs, management, and sales practices will be an ongoing source of regulatory scrutiny and enforcement actions, litigation, and rulemaking.
These matters could result in legal precedents and
          new industry-wide legislation, rules, and regulations that could significantly affect the financial services industry, including life insurance and annuity companies. It is unclear at this time whether any such litigation or regulatory actions
          will have a material adverse effect on the Company in the future.
(19)    Subsequent Events
The Company has evaluated subsequent events
          through April 4, 2022, which is the date the Statutory Financial Statements were available to be issued. No material subsequent events have occurred since December 31, 2021 that require adjustment to the Statutory Financial Statements.
In March 2022, the Company received a capital
          contribution of $30,000 from Allianz Life.
As a result of the Russia/Ukraine conflict,
          economic uncertainties have arisen, which may negatively impact the Company's net income and surplus. The extent to which the conflict impacts our business, net income, and surplus, as well as our capital and liquidity position, will depend on
          future developments, which are highly uncertain and cannot be estimated, including the scope and duration of the conflict and actions taken by governmental authorities and other third parties in response to the conflict.
42 of 42
Table of Contents
For Service or More Information
The Statement of Additional
              Information (SAI) contains additional information about the Contract, Allianz Life, and the Separate Account. The SAI is dated the same date as this prospectus, and the SAI is incorporated by reference into this prospectus. This prospectus
              and the SAI can be found online at
allianzlife.com/new-york/prospectuses
. You can also request this information at no cost by calling (800) 624-0197, or by sending
              an email request to contact.us@allianzlife.com.
The SEC maintains a website
sec.gov
. The prospectus, the Form N-4 SAI and other information about the Contract are available on the EDGAR database on the SEC's website. Copies of this information may be
              obtained, upon payment of a duplicating fee, by electronic request at the following email address: publicinfo@sec.gov.
Our Service Center
If you need customer service (for Contract
            changes, information on Contract Values, requesting a withdrawal or transfer, changing your allocation instructions, etc.) please contact our Service Center at
(800) 624-0197
.
To send an application, a check for an additional
            Purchase Payment, or for general customer service, please mail to the appropriate address as follows:
To send an application, a check for an additional Purchase Payment,
or for general customer service, please mail to the appropriate address as follows:
REGULAR MAIL
Allianz Life Insurance Company of New York
P.O. Box 59060
Minneapolis, MN 55459-0060
OVERNIGHT, CERTIFIED, OR REGISTERED MAIL
Allianz Life Insurance Company of New York
5701 Golden Hills Drive
Golden Valley, MN 55416-1297
Checks sent to the wrong address for applications or additional Purchase Payments are forwarded to the 5701 Golden Hills Drive address listed above, which may
                      delay processing.
For general customer service
              by email, please use this address:
contact.us@allianzlife.com
. To send information by email, please use this address: variableannuity@send.allianzlife.com. To send
              information over the web, please upload to your account on our website at:
allianzlife.com/new-york
. If you have questions about whether you can submit certain
              information by email or over the web, please contact our Service Center.
Until May 1, 2023, all dealers that effect
              transactions in these securities may be required to deliver a prospectus.
EDGAR Contract ID No.: C000138153
Allianz Index Advantage
®
New York Variable Annuity Prospectus – April 29, 2022
110
PART II - INFORMATION NOT REQUIRED IN PROSPECTUS
ITEM 13. OTHER EXPENSES OF ISSUANCE AND DISTRIBUTION.
Securities and Exchange Commission Registration Fee
$ 25,760
--------------
Estimated Printing and Filing Costs:
$ 30,000
--------------
Estimated Accounting Fees:
$ 60,000
---------------
Estimated Legal Fees:
$175,000
---------------
Estimated Miscellaneous Fees:
N/A
---------------
ITEM 14. INDEMNIFICATION OF OFFICERS AND DIRECTORS.
The Bylaws of the Insurance Company provide:
ARTICLE X
INDEMNIFICATION OF OFFICERS, DIRECTORS AND EMPLOYEES
To the fullest extent allowed under New York law, the Company shall indemnify officers, directors and employees of the Company. No director shall be
      personally liable to the Company or any of its shareholders for damages for any breach of duty as a director; provided, however, that the foregoing provision shall not eliminate or limit (i) the liability of a director if a judgment or other final
      adjudication adverse to him or her establishes that his or her acts or omissions were in bad faith or involved intentional misconduct or were acts or omissions (a) which he or she knew or reasonably should have known violated the New York Insurance
      Law or (b) which violated a specific standard of care imposed on directors directly, and not by reference, by a provision of the New York Insurance Law (or any regulations promulgated thereunder) or (c) which constituted a knowing violation of any
      other law, or establishes that he or she personally gained in fact a financial profit or other advantage to which he or she was not legally entitled; or (ii) the liability of a director for any act or omission prior to adoption of these Restated
      Bylaws by the shareholders of the Company.
Insofar as indemnification for liabilities arising under the Securities Act of 1933 may be permitted to directors, officers and controlling persons of
      the Insurance Company pursuant to the foregoing provisions, or otherwise, the Insurance Company has been advised that in the opinion of the Securities and Exchange Commission such indemnification is against public policy as expressed in the Act and,
      is therefore, unenforceable. In the event that a claim for indemnification against such liabilities (other than the payment by the Insurance Company of expenses incurred or paid by a director, officer or controlling person of the Insurance Company in
      the successful defense of any action, suit or proceeding) is asserted by such director, officer or controlling person in connection with the securities being registered, the Insurance Company will, unless in the opinion of its counsel the matter has
      been settled by controlling precedent, submit to a court of appropriate jurisdiction the question whether such indemnification by it is against public policy as expressed in the Act and will be governed by the final adjudication of such issue.
ITEM 15. RECENT SALES OF UNREGISTERED SECURITIES.
NOT APPLICABLE.
ITEM 16. EXHIBITS AND FINANCIAL STATEMENT SCHEDULES.
(a)
Exhibits.
1.
(a)
Principal Underwriter Agreement
by and between Preferred Life Insurance Company of New
                York on behalf of Preferred Life Variable Account C and NALAC Financial Plans, Inc. incorporated by reference as exhibit EX-99.B3.a. from Registrant's Pre-Effective Amendment No. 1 to Form N-4 (File Nos. 333-19699 and 811-05716)
                electronically filed on May 12, 1997. Preferred Life Insurance Company of New York is the predecessor to Allianz Life Insurance Company of New York. Preferred Life Variable Account C is the predecessor to Allianz Life of NY Variable Account
                C. NALAC Financial Plans, Inc., is the predecessor to USAllianz Investor Services, LLC, which is the predecessor to Allianz Life Financial Services, LLC.
(b)
Broker-Dealer Agreement
(amended
                and restated) between Allianz Life Insurance Company of New York and Allianz Life Financial Services, LLC, dated June 1, 2010 incorporated by reference as exhibit EX- 99.B3.b. from Registrant's Post-Effective Amendment No. 21 to Form N-4
                (File Nos. 333-143195 and 811-05716) electronically filed on October 21, 2010.
(c)
The current specimen of the
selling agreement
between Allianz Life
                Financial Services, LLC, the principal underwriter for the Contracts, and retail brokers which offer and sell the Contracts to the public is incorporated by reference as exhibit EX-99.B3.b from the Initial Registration Statement to Allianz
                Life Variable Account B's Form N-4 (File Nos.333-134267 and 811-05618) electronically filed on May 19, 2006. The underwriter has executed versions of the agreement with approximately 2,100 retail brokers.
2.
Not applicable
3.
(a)
Articles of Incorporation, as amended and
                  restated March 9, 2011
, of Allianz Life Insurance Company of New York, filed on December 19, 2013 as Exhibit 3(a) to Registrant's initial registration on Form S-1 (File No. 333-192948), is incorporated by reference.
(b)
Bylaws,

        as amended and restated March 9, 2011
, of Allianz Life Insurance Company of New York, filed on December 19, 2013 as Exhibit 3(b) to Registrant's initial registration on Form S-1 (File No. 333-192948), is incorporated by reference.
4.(a)
Deferred Annuity Contract, L40538-NY
,
      as revised 5/16/14, filed on December 8, 2014, as Exhibit 4(a) to Registrant's Post-Effective Amendment No. 1 on Form S-1 (File No. 333-192948), is incorporated by reference.
(b)
Contract Schedule Pages, S40877-NY
, filed on May 2, 2014 as
                Exhibit 4(b) to Registrant's Pre-Effective Amendment No. 1 on Form S-1 (File No. 333-192948), is incorporated by reference.
Schedule pages S40875-NY,
                  S40876-NY
, as revised 5/9/14, filed on December 8, 2014, as Exhibit 4(b) to Registrant's Post-Effective Amendment No. 1 on Form S-1 (File No. 333-192948), is incorporated by reference.
(c)
Application for Individual Annuity Contract, F40538-NY
,
                as revised 5/2014, filed on December 8, 2014, as Exhibit 4(c) to Registrant's Post-Effective Amendment No. 1 on Form S-1, is incorporated by reference.
Application for Ind. Var. Annuity Contract – F40538-02-NY (5/2015)
, filed on April 20, 2015, as Exhibit 4(c) to Registrant's
                Post-Effective Amendment No. 2 on Form S-1 (File No. 333-192948), is incorporated by reference.
(d)
Index Performance Strategy Rider, S40878-NY
,
                filed on May 2, 2014 as Exhibit 4(d) to Registrant's Pre- Effective Amendment No. 1 on Form S-1 (File No. 333-192948), is incorporated by reference.
(e)
Traditional Death Benefit Rider, S40880-NY
,
                filed on May 2, 2014 as Exhibit 4(e) to Registrant's Pre- Effective Amendment No. 1 on Form S-1 (File No. 333-192948), is incorporated by reference.
(f)
Allocation Options Schedule page
                  S40876-NY01 (5/2015)
, filed on April 20, 2015, as Exhibit 4(f) to Registrant's Post-Effective Amendment No. 2 on Form S-1 (File No. 333-192948), is incorporated by reference.
(g)
Variable and
                  Index-Linked Annuity Contract L40538-NY01 (5/2015)
, filed on April 20, 2015, as Exhibit 4(g) to Registrant's Post-Effective Amendment No. 2 on Form S-1 (File No. 333-192948), is incorporated by reference.
5.*
Opinion re Legality
– filed herewth
8.
Opinion re Tax Matters - not applicable
9.
Not applicable
10.
Material Contracts - not applicable
11.
Not applicable
12.
Not applicable
15.
Not applicable
16.
Not applicable
21.    Not applicable.
23.
(a)*
Consent of Independent
                  Registered Public Accounting Firm
, filed herewith.
(b)   Consent of Counsel, filed as Exhibit 5 to this Registration Statement.
24.      (a)
Board Resolution, effective December 11, 2012
, of the Board of Directors of Allianz Life Insurance Company of North America, filed on December 19, 2013 as Exhibit
      24(b) to Registrant's initial registration on Form S-1 (File No.  333-192948), is incorporated by reference.
(b)
Board Resolution, effective March 6, 2014
, of the Board of Directors of Allianz Life Insurance Company of New York, filed on May 2, 2014 as Exhibit 24(d)
      to Registrant's Pre-Effective Amendment No. 1 on Form S-1 (File No. 333-192948), is incorporated by reference.
(c)*
Powers of Attorney,
filed herewith.
25.      Not applicable
26.      Not applicable
99.     (a)
Appendix A Exhibit – Daily Adjustment Calculation – INY-024a (04/19)
, filed on January 25, 2019, as Exhibit 99(a) to Registrant's Post-Effective Amendment No. 2
      on Form S-1 (File No. 333-224317), is incorporated by reference.
(b)
Transition Representation Letter
- Independent Registered Public Accounting Firm, pursuant to S-K, item 304, filed on April 17, 2018, as Exhibit
      99(b) to Registrant's initial registration on Form S-1 (File No. 333-224317), is incorporated by reference.
107.*
Filing Fee Table
, filed herewith.
* Filed herewith
** To be filed by amendment
(b)
Financial Statement Schedules
All required financial statement schedules of Allianz Life Insurance Company of New York are included in Part I of this registration
      statement.
ITEM 17. UNDERTAKINGS.
The undersigned registrant hereby undertakes pursuant to Item 512 of Regulation S-K:
(1)
To file, during any period in which offers or sales are being made, a post-effective amendment to this registration statement:
(i)
To include any prospectus required by section 10(a)(3) of the Securities Act of 1933;
(ii)
To reflect in the prospectus any facts or events arising after the effective date of the registration statement (or the most recent post-effective amendment
                thereof) which, individually or in the aggregate, represent a fundamental change in the information set forth in the registration statement. Notwithstanding the foregoing, any increase or decrease in volume of securities offered (if the
                total dollar value of securities offered would not exceed that which was registered) and any deviation from the low or high end of the estimated maximum offering range may be reflected in the form of prospectus filed with the Commission
                pursuant to Rule 424(b) if, in the aggregate, the changes in volume and price represent no more than a 20% change in the maximum aggregate offering price set forth in the "Calculation of Registration Fee" table in the effective registration
                statement.
(iii)
To include any material information with respect to the plan of distribution not previously disclosed in the registration statement or any material change to
                such information in the registration statement.
(2)
That, for the purpose of determining any liability under the Securities Act of 1933, each such post-effective amendment shall be deemed to be a new
                registration statement relating to the securities offered therein, and the offering of such securities at that time shall be deemed to be the initial bona fide offering thereof.
(3)
To remove from registration by means of a post-effective amendment any of the securities being registered which remain unsold at the termination of the offering.
(4)
That, for the purpose of determining liability under the Securities Act of 1933 to any purchaser, each prospectus filed pursuant to Rule 424(b) as part of a
                registration statement relating to an offering, other than registration statements relying on Rule 430B or other than prospectuses filed in reliance on Rule 430A, shall be deemed to be part of and included in the registration statement as
                of the date it is first used after effectiveness. Provided, however, that no statement made in a registration statement or prospectus that is part of the registration statement or made in a document incorporated or deemed incorporated by
                reference into the registration statement or prospectus that is part of the registration statement will, as to a purchaser with a time of contract of sale prior to such first use, supersede or modify any statement that was made in the
                registration statement or prospectus that was part of the registration statement or made in any such document immediately prior to such date of first use.
(5)
That, for the purpose of determining liability of the registrant under the Securities Act of 1933 to any purchaser in the initial distribution of the securities:
                The undersigned registrant undertakes that in a primary offering of securities of the undersigned registrant pursuant to this registration statement, regardless of the underwriting method used to sell the securities to the purchaser, if the
                securities are offered or sold to such purchaser by means of any of the following communications, the undersigned registrant will be a seller to the purchaser and will be considered to offer or sell such securities to such purchaser:
(i)
Any preliminary prospectus or prospectus of the undersigned registrant relating to the offering required to be filed pursuant to Rule 424;
(ii)
Any free writing prospectus relating to the offering prepared by or on behalf of the undersigned registrant or used or referred to by the undersigned
                registrant;
(iii)
The portion of any other free writing prospectus relating to the offering containing material information about the undersigned registrant or its securities
                provided by or on behalf of the undersigned registrant; and
(iv)
Any other communication that is an offer in the offering made by the undersigned registrant to the purchaser.
(6)
Insofar as indemnification for liabilities arising under the Securities Act of 1933 may be permitted to directors, officers and controlling persons of the
                Insurance Company pursuant to the foregoing provisions, or otherwise, the Insurance Company has been advised that in the opinion of the Securities and Exchange Commission such indemnification is against public policy as expressed in the Act
                and, is therefore, unenforceable. In the event that a claim for indemnification against such liabilities (other than the payment by the Insurance Company of expenses incurred or paid by a director, officer or controlling person of the
                Insurance Company in the successful defense of any action, suit or proceeding) is asserted by such director, officer or controlling person in connection with the securities being registered, the Insurance Company will, unless in the opinion
                of its counsel the matter has been settled by controlling precedent, submit to a court of appropriate jurisdiction the question whether such indemnification by it is against public policy as expressed in the Act and will be governed by the
                final adjudication of such issue.
SIGNATURES
Pursuant to the requirements of the Securities Act of 1933, the registrant has duly caused this registration
      statement to be signed on its behalf by the undersigned, thereunto duly authorized, in the City of Minneapolis, State of Minnesota, on this 15th day of April, 2022.
ALLIANZ LIFE INSURANCE COMPANY OF NEW YORK
By:
/s/ Jasmine M. Jirele*
Jasmine M. Jirele
Chief Executive Officer
Pursuant to the requirements of the Securities Act of 1933, this registration statement has been signed by the
      following persons in the capacities indicated on April 15, 2022.
Signature
Title
Jasmine M. Jirele
*
Board Chair and Chief Executive Officer
Eric Thomes
*
Director and President
Gary A. Smith
*
Director
Martha Clark Goss
*
Director
Steven J. Thiel
*
Director, Vice President and Appointed Actuary
Ronald M. Clark
*
Director
William E. Gaumond
*
Director, Chief Financial Officer and Treasurer
(principal accounting officer)
Lorraine Lods
*
Director
Kevin E. Walker
*
Director
*
By Power of Attorney, filed as Exhibit 24(c) to this Registration Statement.
BY
: /s/ Erik T. Nelson
Erik T. Nelson
Associate General Counsel, Senior Counsel
FORM S-1
ALLIANZ LIFE INSURANCE COMPANY OF NEW YORK
INDEX TO EXHIBITS
Exhibit
Description of Exhibit
5
Opinion of Counsel
23(a)
Consent of Independent Registered Public Accounting Firm
24(c)
Powers of Attorney
107
Filing Fee Table